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
6624 W Robin Ln, Glendale, AZ 85310
Phone: 623-977-9823
Fax: 623-977-0181
Email: Office@roberthardingfinancial.com
WE OFFER INDEPENDENT UNBIASED NO-STRINGS-ATTACHED FINANCIAL ADVICE. WE ARE COMMITTED TO YOUR FINANCIAL FUTURE!
November/December 2025
Smart Budgeting Tips After the Holidays
The holiday season often leads to overspending, leaving many feeling financially strained afterward. To get your finances back on track, start by reviewing your expenses and creating a realistic budget. List all sources of income and categorize your expenses, including essentials, debt payments, and discretionary spending.
Review
Identify areas where you can cut back, such as dining out, entertainment, or non-essential shopping. Setting specific savings goals—like building an emergency fund or paying down debt—can motivate disciplined spending. Automate your savings by setting up automatic transfers to your savings account soon after payday.Monitor
Track your spending regularly to stay accountable and adjust your budget as needed. Consider using budgeting apps to monitor your progress effortlessly. Avoid impulse purchases by making shopping lists and sticking to them. Review and revise your budget monthly to reflect changing expenses and financial goals.Implement
By implementing these tips, you can regain control over your finances, reduce stress, and set a solid foundation for a financially secure year ahead.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 Solutions, LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Marketing Solutions, LLC, 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.