The only thing that every Gen-Z kid can all collectively remember is the Gerber Life commericals
for just pennies a day
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@jessica413
The only thing that every Gen-Z kid can all collectively remember is the Gerber Life commericals
for just pennies a day
CORBIN ALEXANDER WEALLTH GUIDANCE: POSTED 05/06/2018
STARTING OUT FROM SCRATCH – POST #1 IN MY SERIES
BUDGETING:
50/30/20/RULE:
For the person already living life, this is an essential rule of thumb:
- 50% to Needs: utilities, rent, food, car insurance (never buy a car on credit/payments and be required to pay collision coverage: only buy a used, 3-8 years old; Honda/Kia/Toyota for the best value/bang for your buck), gas, clothes allowance, etc. Essentials needed to live!
- 20% to Savings & Investment: used to pay bank loans/student loans, monthly deposits into a retirement account and an investment account, credit card payments (pay off the entire balance each month and not just the minimum payment to avoid paying interest on interest = that’s what eats you alive causing you to NEVER pay off the balance(s)) and never buy stuff from Fingerhut/Rent-A-Center or the like…..the interest on this stuff is outrageous and you pay 3x-5x what the item is actually worth in the end – if you ever get to the end of the payments!
- 30% to Wants: vacations (limit one per year – do day trips for the other week taken on paid vacation benefits) and future “Wants” such as saving for a house: if you need the monies in less than 5 years, then bank it – if you need the monies in over 8 years, then invest it; that is the industry rule of thumb when it comes to “Wants”.
Two methods to keep you on track:
- The spread sheet method: this is where you track your budget in MS Excel.
- The envelope method: this is where you assign envelopes labeled by each expense.
EMERGECY FUND:
This where you have a bank savings account holding a minimum of six months of expenses to pay “all” your monthly bills in the event of a job lose or an illness: you are NEVER to dip into this unless you are in a dire straight situation.
Establish this fund FIRST before all other suggestions are followed.
SAVINGS & INVESTMENT:
- Start saving for an emergency fund first.
- Do not use the Overdraft protection feature on your bank debit card = avoid getting into the habit of paying Overdraft charges over and over again! But do have it on the account – in the event of an emergency = like your car breaks down, etc. and avoid using a credit card and carry a balance.
- Start an investment account at Ally.com/invest and invest in my Model ETF Portfolio that I’ll outline at a later date…stay tuned!
- Start investing in my ”ALL PURPOSE” Model Mutual Fund Portfolio: starting in your mid-50’s/early 60’s.
- Start investing in my designated Model Mutual Fund 80+ Portfolio in your 80’s; exact allocation percentages to also be revealed at a later date!
CREDIT CARDS/BANKING MANAGEMENT:
- Establish a credit history at 18 years old before working a full-time 9-5 or going to college: now is the time to obtain a pre-paid debt card through Capital One.com or a similar lender. And do not forget to get a small personal loan ($1,000.00 minimum) at a local bank using a co-signer to qualify for the loan.
As you SLOWLY establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.
HAVE YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? – CONSIDER CLAIMING BANKRUPTCY AND START OVER – JUST BE CAREFUL; DON’T SCREW UP AGAIN LIKE THE LAST TIME.
- Earn interest in an interest-bearing savings or CD account:
Not all banks are created equal; which is why most are banking wrong:
BANK OF AMERICA: This is a “fee city” bank. You name it, they have a fee attached
TD BANK: This is a bank with convoluted morals. Good luck banking in this environment; more horseshit then you can shake a stick at!
- If your balance falls below $100.00 at TD at any given time during the month; they hit you with a $15.00 low balance fee ($180.00 a year!).
You are better off going to a local bank or a federal credit union for your banking needs.
BE ON THE LOOKOUT FOR MY NEXT SERIES INSTALLMENT POST ON 6/3/2018!
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