SUBSCRIBE
Enter your Name and Email address to get
the newsletter delivered to your inbox.
Please include name of person that directed you to my online newsletter so I can thank them personally.
Robert Harding Financial Group
18301 North 79th Avenue D-149, Glendale, AZ 85308
Phone: 623-977-9823
Fax: 623-977-0181
Toll Free: 800-977-9823
WE OFFER INDEPENDENT UNBIASED NO-STRINGS-ATTACHED
FINANCIAL ADVICE. WE ARE COMMITTED TO YOUR FINANCIAL FUTURE!
November/December 2023
Adopt Healthy Money Habits
Your relationship with money may have its roots in your childhood. If your family saved responsibly for the things they wanted to buy, chances are good that you will, too. But, if your family squandered money and never saved, their bad money habits may be influencing how you handle your finances. Make sure you’re practicing good money habits like the ones below.
Examine Your Spending Habits
Write down everything you buy over one or two weeks to find out how much you’re spending. You might be surprised at the total. You can adjust your spending habits once you see where your money goes.Live Within Your Income
Paying with cash means you’ll be able to spend only as much money as you have on hand. If you use a credit card, make sure you can pay off the balance when the bill comes.Pay Yourself
Treat your savings as a bill by putting money in your account every month before you pay anyone else. As your income rises, increase the amount you’re saving.Follow a Spending Plan
Build a monthly budget based on your income and expenses. Remember to account for items you pay yearly, such as insurance or homeowner association dues. Then track your progress. Automate retirement fund contributions and set an amount for discretionary spending.CONTACT US
Enter your Name, Email Address and a short message. We'll respond to you as soon as possible.
Securities and Investment Advisory Services offered through Geneos Wealth Management, Inc. Member FINRA/SIPC.
Robert Harding Financial Group and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.
The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.