Retirement doesn’t happen by accident; careful planning can help build a nest egg to sustain the kind of retirement you want. Start by creating a spending plan.  Know how much money is coming in, and going out each month. Take advantage of any employer plans like a 401(k). Some employers match a percentage of your… Read More

Think of retirement as a destination. Your plan is a road map that will get you there. Check out this short, educational video as we talk about retirement planning on this edition of Ascentra Making Cents.  To see more videos of our monthly financial education segments like this one, head to our YouTube channel.    … Read More

Wondering when you should start receiving Social Security benefits? If you are married or divorced, you may be eligible for spousal benefits that can make the decision easier. The AARP offers these strategies for using spousal benefits to your advantage: For couples with two incomes: You may be eligible to file for a spousal benefit only,… Read More

Many people wonder how they can build an emergency fund when they’re trying to pay off my debts. It isn’t as hard as you might think. The strategy is to start small, change a few habits, and change your mindset. If you’re starting from scratch with your emergency fund, begin by saving one month’s worth… Read More

Vacations are meant to give you some much needed rest and relaxation. Since lodging expenses can eat up a huge chunk of your vacation savings, you’ll want to make sure you find the best prices for them. Here are a few websites to help you find the best deals on lodgings. If you’re strictly a… Read More

Going off to college is an exciting time! Your world is about to open wide, providing you with new opportunities to expand your mind, meet new people, and begin the groundwork for your career (or figure it out). One very important skill you’ll need is learning how to save while living on your own. The… Read More