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Want vs. Need: Do You Know The Difference?

Want vs. Need: Do You Know The Difference?

Are you thinking of starting a budget? One thing you will need to determine is the difference between want and need. Do you know the difference? Here’s an example, a woman calls her friend and says “I need to get my hair dyed but I don’t know how to fit it in my budget.” The friend replies “No, you WANT to get your hair dyed.” Again friend #1 states “You don’t understand, if I don’t get my hair dyed I’ll have a ton of gray hair.” Friend #2 “I understand, but getting ...

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Got my tax return….Now what?

Got my tax return….Now what?

YAY! You are getting money back on your taxes, that’s great! Now you need to figure out what to do with it. There are financially responsible ways to spend it, and there are ways to blow it. I’d like to cover some of the best ways to utilize this money. When we “googled” what to do with tax returns we found multiple topics. So we listed the topics here and then Kari Apel herself, went a little deeper into the meaning. Start or Increase Your Emergency Fund…A good rule of thumb is t...

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How Can I Plan for Retirement?

How Can I Plan for Retirement?

It’s never too early to think about retirement and how to plan for it. The biggest key is to sit down and ask yourself “where would I like to see myself financially during retirement and what kind of plans do I have?” Below are a few steps that can help. Set a goal. Analyze your finances and determine how much you could set aside from each paycheck. Do you think you could save $25 a paycheck? It doesn’t matter if the money goes to a 401(k), and IRA, or even your savings account...

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Equifax Data Breach and What You Should Know

Equifax Data Breach and What You Should Know

On September 7, Equifax Inc. announced they had been hacked and as a result over 143 million Americans could be affected. They waited roughly 2 months to get this information to the public-Strike 1 Equifax. This incident occurred between May-June 2017, at which time the hackers were able to access not only credit card numbers, but social security numbers and driver’s license numbers as well as other data. What you need to do: Visit www.equifaxsecurity2017.com. This is a site that Equif...

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Why Should I Outsource Bookkeeping and/or Payroll for My Business

Why Should I Outsource Bookkeeping and/or Payroll for My Business

As a business owner, you may often think you need to do it all in order to understand your business. However, your biggest priority is most likely to generate income so your company stays afloat and grows. Oftentimes, day to day office tasks can bog owners down, taking valuable time away from working on their business. Outsourcing bookkeeping and/or payroll services, allows you (and your employees) to focus on things that can make your company profitable. You can save money by hiring a profe...

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