With change in the air, fall is the perfect time to reset your finances. Here are a few goals to help you finish 2014 strong financially.
#1 Get organized. Did you know that being disorganized can hurt your budget—and even your credit? Review your monthly bills and budget, and be sure you are keeping track of when payments are due. A missed payment can do some serious damage to your credit score.
#2 Adjust your plan if necessary. Remember the financial goals that you set back in January? Are you still on track to reach them? If not, there is still time! For example, if you are far from hitting your retirement savings goal for the year, adjust your monthly contribution so you will reach it. If your goal seems unattainable, try breaking it down into smaller goals—like increasing your contributions 5% per month.
#3 Check your debt. Make a list of all your debts and add them up, including interest rates. Do you have a plan to attack the debt? To get the most bang for your debt-reduction buck, start by paying off the highest interest rate card first. And make sure your emergency fund has enough to cover three to six months’ expenses.
Are your finances in focus? It’s never too late to reevaluate and make sure you are heading in the right direction.
Posted in: Primerica
From December 2013 through May 2014, Primerica leaders competed to earn their place among the best of the best during the “California Dreaming” incentive trip competition. These incredible opportunities give top leaders, and hot up-and-comers who qualify, the chance to experience a taste of the lifestyle they can create when they help more families and build strong businesses!
In August, three phases of qualifiers jetted to sunny Southern California for a sweet retreat at the posh La Costa Resort & Spa in Carlsbad, CA. It was a time of rejuvenation, relaxation and renewal as attendees enjoyed A-List treatment – fine dining, elegant accommodations, business-boosting sessions, one-on-one time with top leaders, and plenty of networking opportunities.
Check out these photos from the August 12-15, 2014, August 15-18, 2014, and August 18-21, 2014 events.
Posted in: Company, Primerica, Representatives
Need to blow off steam but on a tight budget? Try these free steps to a more stress-free life.
1. Take your dog for a walk. Walking is an excellent way to unload unwanted stress—and if you have a dog, he or she will thank you for the exercise.
2. Declutter your home. This is sure to take your mind off whatever is bothering you—and the result also leaves you feeling less stressed.
3. Talk to someone. A trusted friend can be a great ally — and simply taking the time to talk can help ease your burdens.
4. Take photos. Photos are a great way to focus on what’s positive in your life. When things seem gloomy, you can still find something beautiful to focus on.
5. Pet your pet. Humans feel less stressed when they pet a dog, cat or other animal. Dogs are used to rehabilitate wounded soldiers and relieve stress in students. Don’t own one? Visit an animal rescue center for some furry stress relief.
Posted in: Primerica
Wallet Wellness is coming to an end and we’re curious… how fat did your wallet get this summer? Did you implement any new ideas into your household? Learn to spend less and save more? We hope so!
Small Is the New BIG
Whether you’re already on track or just getting into the swing of things, Start Small by Thinking Big is a simple first-step to getting on track. Remember, small changes can lead to BIG results and even greater success. It’s never to late to start or start over. And, once you meet that first goal, why not start working on your next one?
• Goals Worksheet
• Budget Worksheet
• Kid’s Goal Worksheet
Don’t Take the Joy Out of It!
Being financially responsible can sound like a drag, but it’s really not! In fact, it opens the door to creativity and spontaneity in a whole new way! Don’t focus on what you can’t do because you’d rather sock that extra money away for an amazing future. Ask yourself what makes you happy and find a way to create that experience for less. Want to plan a nice dinner for loved one? Instead of a fancy restaurant, make his or her favorites and pack a picnic. The thought is much more impressive than the cost!
Check out 20 FUN Things to Do for Under $20 and Kids, Money and Fun for more cool ways to have crazy amounts of fun and still meet your financial goals, too!
Cover All the Bases
Caring for your finances and securing your family’s future can seem intimidating, but it doesn’t have to be. Start small, and focus on one thing at a time. In Four Keys to Your Financial Future, we cover the big four:
1. Have an Emergency Fund
2. Take Control of Your Debt
3. Protect What You Love
4. Save for the Future
These are the biggies. Take care of these four, and watch your wallet fatten up! And, if your main concern right now is how to control your debt, check out In the Dark About Debt for some helpful tips!
Don’t Forget to Pay It Forward!
Don’t hoard this new knowledge! Help your friends and loved ones get on track, too! It starts at home. Are you and your significant other on the same page? Do your kids know the value of money? Check out Raise Kids with Money Sense and 5 Ways to Make Saving a Family Affair, and make sure everyone in your family is focused on your family’s financial goals!
Is your family already on board? Spread the wealth and tell your friends and extended family about what you learned. Money talks tend to be hush-hush, but sharing ideas and supporting each other’s goals can be a real motivator!
Remember, when it comes to padding your wallet, FAT is IN! Keep moving toward your financial goals, and let us know what’s working for you! Good luck!
Posted in: Primerica, Tips, Wallet Wellness
A.M. Best has affirmed the financial strength rating of A+ (Superior) of Primerica Life Insurance Company and its affiliates. They state: “Primerica’s ratings recognize its status as one of the largest writers of term life insurance in the United States, with its strong market position attributable to its dedicated distribution affiliate, Primerica Financial Services, Inc.” Read the release.
Tags: A+, A.M. Best, A.M. Best ratings, Superior
Posted in: Company, Primerica