As everyone living in the United States knows, medical care for acute, as well as chronic needs, can be expensive. From annual checkups and vaccinations to emergency care and surgeries, thousands of families across the country struggle to afford basic medical care for their teenagers. According to ThinkProgress, approximately 30% of Americans decide against getting health care because of their finances. Here are some ways that parents can help their teenagers stay healthy while still staying within their budgets.
Moving your family from one apartment or home to another requires a lot of time, energy, and money. You know how much stuff you have to move and how much you have to throw out. Actually doing all of it can be overwhelming. Fortunately, there are some simple strategies you can employ to finance your move and save on some moving expenses. These tips are simple to employ and will help the process to go as smoothly as possible.
Choosing a home for your small family can be a grueling process, especially with the wide selections available on different listings. When thinking about whether or not to move to the suburbs, getting a fixer upper or move-in ready can all be very confusing. Just know that there are several money-saving opportunities you can cash in on. If you can make good savings, you can get more house without getting overrun with costs. So how can you get those savings?
Retirement is something that should never be taken for granted. It takes many years of planning, saving and personal sacrifice to ensure there is enough money to survive without a steady paycheck from an employer. Luckily there are lots of tools out there for you that are able to help you stay on track financially during retirement. You could even use a free retirement calculator to help you properly manage your finances. Here are some other steps that you can take to make sure that your savings plan is enough to retire on.
Emergencies happen and although you may not have control over what happens, being prepared is your best defense. By maintaining an emergency savings in an account at a credit union such as a Deseret First Credit Union in Utah, you can have the peace of mind that comes from knowing you will not have to take out a loan if an unexpected situation arises. Consider these five benefits from having an emergency savings account.
One of the most important things the head of the household is responsible for is protecting their families. An important way you can protect your family is by covering them with insurance, but knowing where to look and how to cut costs without cutting yourself short can be difficult. There are many different types of insurance you need to keep your family safe and here is a look at six needs your family should prepare for.
Everyone understands the importance and necessity of making money, but how you handle the income you earn, and how you think about money in general, can have a significant impact on ensuring your family’s financial future. Becoming wise to some money managing habits is important to keep you on track and to improve your financial future.
Medical expenses can add up quickly, and can easily ruin a carefully planned budget. Saving money on your medical bills is possible however. If your family is on a budget, don’t fear. There are different techniques for each type of health care you and your family may use this year to find more savings and have less wasted time.
How many times have you heard that investing in education pays the best interest? While this certainly rings true to some extent, this is far from a rule set in stone. Education is first and foremost a lifelong investment, something that is not only about piling up information. It will eventually allow your child to be more competitive in the job market, but also to convert this information into knowledge and skills. Finally, education develops a broader worldview and leads to a more balanced and fulfilled life. So is the money the glue holding it together or only an oil to keep the engine running smooth?
It may seem that a marshmallow has very little to do with your retirement. However, delayed gratification has everything to do with retirement. Stanford researchers measured delayed gratification in young children using a marshmallow test. I’ll take a look at the marshmallow test, the importance of retirement savings and strategies you can use to increase retirement savings, which takes much delayed gratification.