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Plan Well, Retire Well

Saving and investing your money
Holiday gift cards-Beware the Scams!

Holiday gift cards-Beware the Scams!

Over the years, gift cards have become a favorite gift. You don't have to worry about color or size, and there is one for every taste. Shipping costs are minimal, and you can purchase them almost everywhere. If you get a gift card for somewhere you don't shop, or for a store that's not in your area, there are websites where you can sell or exchange them for cash. However, gift cards hav...

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holiday shopping tips

Holiday Spending Tips

The holidays are coming up… and with it is the ability to overspend. Whether you're shopping for a few or many, having a plan for the holidays can help. Below are my top 3 holiday spending tips! 1. Use a budget within a budget. Although this seems tedious, having a budget within a budget will help to keep your spending in check. In a normal spending period, you have all of your...

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Venn diagram

Do I need a will if I have named beneficiaries on most of my assets?

After my recent post about mistakes people make about naming beneficiaries – and the unintended outcomes that result – I received this question from a reader: If our beneficiaries are in place, is a will still important for transferal of things? In what areas and ways? Does it speed up the process or limit lawyer ent...

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Health Insurance Helps Protect Our Financial Security

Sometimes we spend money on fun things and sometimes we spend money on things we need or to protect our future financial security. Paying for health insurance falls under the category of needed, but not fun. We buy health insurance to protect ourselves from unknown financial risk. While we can't predict our future health needs, we can use insurance to protect our finances in case we hav...

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retirement cash flow

My Decision to Retire - Revisited

Four years ago, I announced my retirement here on the blog . I talked about the decision-making process that I went through, and the kinds of financial information that I used. (If you're reading this, you probably know that I was lucky enough to return to Extension on a part time basis and continue writing for the blog.) Four years into my so-called...

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Freedom from Credit Card Debt!

Back in December of 2014, I wrote a blog post called " 2014 Financial Goal Challenge: All About that Debt " describing how my husband and I had been trying to pay off all of our debt, especially our credit card debt. Well avid readers, I can tell you that we accomplished that goal in August 2016! We paid off $12,500 worth of c...

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AMM-cat-tagline

ANNOUNCING: Our New Curriculum

As University of Illinois Extension educators, we do financial education outreach in a variety of ways. Obviously we blog, and we also teach people in person. In our "free" time we also create new educational materials and curriculum. For the past three years, we've been working to create, revise and update All My Money: Change for the Better curriculum and we're happy to announce, it'...

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