Sep

09.14

No-Cost Ways to Relieve Stress

No-Cost Ways to Relieve Stress

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.

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Posted in: Primerica

Jul

31.14

How Fat Is YOUR Wallet?

how-fat-is-your-wallet

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!

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Posted in: Primerica, Tips, Wallet Wellness

Jul

24.14

A.M. Best Affirms Primerica’s A+ Superior Rating

primerica-am-best-rating

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.

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Jul

21.14

5 Ways to Make Saving a Family Affair

5-ways-to-make-saving

Saving money can seem like a hard thing to do – especially if you’re just starting out. That’s why it’s important to start saving early. Showing children how to save for the things they want and need could teach them habits that will save them a lot of heartache in the future.

You can learn while you teach by making saving a family matter. Studies have shown that having someone to hold you accountable to your goals will help you stick to them when it gets hard to stay motivated. And what better partners are there than your family?!

Here are five tips for getting your family into the savings game:

  1. Make a family savings goal. Do you want to buy a new game system or take a trip to an amusement park? Whatever your goal is, decide on it together, and determine how much you’ll need to save to make it happen.
  2. Start small. Commit to saving all of your coins in a month – every single penny – and putting them into a family jar. At the end of the month, see how much you’ve saved and mark off how much further you need to go to get to the goal.
  3. Hold a yard sale and add the proceeds to the family fund. The kids can choose which of their items they’re willing to part with, too.
  4. Practice delayed gratification. Skip the movie theater this month and rent a movie instead. The savings could go into the family fund and teach kids that waiting until you’ve earned a reward is worth it!
  5. Remind yourself of the why. The excitement of a goal sometimes wanes as you get further away from the moment of inspiration. Put up reminders around the house so that your family can remember why they’re doing what they’re doing.

Remember that having a goal without a plan is just wishing. Put some action behind that wish! Download this worksheet to help your kids reach their savings goals. Your family could have a great time working together – and your children could learn great savings habits in the process!

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Posted in: Primerica, Tips, Wallet Wellness

Jul

14.14

Raise Kids With Money Sense

raise-kids-with-money-sense

Everyone makes money mistakes. It’s part of life. However, helping your kids recognize potential potholes on the road to smart money management is a great place to start! And setting a good example is a way to teach a healthy respect for money over time.

Set an Example

Avoid the Pitfalls

Teach the Value: Teach your kids that money isn’t “free.” You have to work for it, and thus, are working for the things you purchase. Pay It Back: Get your kids used to paying back what they borrow early! By expecting them to return the “loan,” you’ll reinforce that money isn’t free. The same works in reverse. If you borrow money from your kids, pay them back – with interest.
Talk About It: Speak openly about money withyour kids. You don’t have to go into all the details of your family finances, but talking about how money works and how to use it wisely will go a long way. Teach Them Perspective: If you notice your kids aren’t willing to part with their money for anything (i.e. buying gifts or charity), explain that money itself isn’t valuable – it simply allows us to purchase the things we want or need.
Model Good Behavior: Pay yourself first. Overall personal savings in the U.S. is currently a very low 4%. If you want your kids to save, they’ve got to see you doing it too! (Source: www.bea.gov, May 30, 2014) Keep Track of It: Children should never have more cash on them than they need. It’s irreplaceable if lost or stolen. Try doling out allowances or other funds in smaller amounts, more frequently. Or set up a bank savings account to help them keep better track of their cash!

When you know more about money, it’s only right to pay that knowledge forward. Sharing your know-how with your children is a great way to ensure that they can avoid the money issues that keep so many people from living the lives of their dreams.

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Posted in: Primerica