Quorum Federal Credit Union’s Post

April showers, spring cleaning, and holiday planning?! The holiday season can often bring financial stress, but it doesn’t have to dampen our spirits. I know what you are thinking right now…why am I talking about the holidays in April?! Hold on…bear with me for a moment! I do not like feeling financially stressed during the holiday season because it is one of my favorite times of the year. I am one of those weirdos who doesn’t mind the cold. I enjoy winter and always pray for a snowpocalypse. I feel the magic in the air during the holiday season, and I especially love seeing my loved ones unwrap their presents! To ease the burden, I've adopted a simple yet effective strategy: I budget and set aside a fixed amount each month into a dedicated savings account starting in January. By the time November rolls around, I've amassed a guilt-free fund to lavish upon those I cherish. And then, like clockwork, I begin anew in January! I’ve been doing this for as long as I can remember. Over the years, as my income has grown, so too has the monthly contribution. I still recall starting out in my early twenties, squirreling away a mere $25 each month. I've since shared this tip with friends and clients, and the response has always been positive. So, here I am, extending this advice to you. It's April—there's still plenty of time to start tucking away a bit each month, ensuring that when the holidays arrive, they're filled with cheer rather than financial fear. #budgeting #budgetingtips #personalfinance #moneytips

As you finish up your holiday shopping and preparations, there are a few things I want you to keep in mind… 🎄You still have to live after the holidays. Using the holidays as an excuse to spend whatever you want, whenever you want is going to leave you with a debt hangover and spending the first part of the year trying to recover rather than making progress to get ahead. 🎁Your kids will still love you even if you don’t buy every single thing on their Christmas list. One of the greatest gifts you can give your children is modeling healthy money behaviors and not continuously feeding into the societal norm of overconsumption. 🎄It’s okay to change or not participate in a holiday tradition if it jeopardizes your financial, emotional, or physical health. I know this can be a difficult and touchy situation when it comes to family and friends, but allow yourself to sit with the discomfort of disappointing somebody in order to protect your peace and well-being. If you don’t, the person you’re disappointing is you! 🎁The holidays happen at the same time every year. In January, start putting some money in savings each month so that this time next year will be financially stress free! Estimate what you will spend on gifts, travel, events, food, etc. and then divide it by 12 to determine the monthly amount. The holidays don’t have to be a major stressor on your finances. It’s already a busy time of year, so do yourself the favor of being financially prepared to spend like you want and enjoy the season. If you need help getting a better handle on your money, send me a message to talk about financial coaching. I still have a few openings this week for consultations before going on break. #DollarsandChange #FinancialCoach #WomenandMoney #PersonalFinance #HappyHolidays

🎄 As the holiday season twinkles with joy and the spirit of giving, it's a time to reflect on the blessings of the past year and the opportunities that lie ahead. Amidst the festive cheer, there's also a practical gift you could give yourself before the year's end: the gift of TAX SAVINGS. Starting a home-based business before the year is out could not only set the stage for a prosperous new year but also offer you a tax write-off for THIS year. Imagine wrapping up the year with the joy of holiday celebrations and the smart move of investing in your future. 💰 Inflation is set to increase monthly expenses $670. Do you have a plan to earn that difference already? By launching your own venture now, you're not just embracing the entrepreneurial spirit of the season, you're also positioning yourself to possibly reduce your taxable income with legitimate business expenses. It's a way to blend the warmth of holiday happiness with the foresight of financial wellness. So as you enjoy the holiday lights and the comfort of family, consider lighting the way for your financial future too. A home-based business could be the bow 🎀 on top of your year, offering both immediate tax advantages and the promise of growth and independence in the year to come. Celebrate the season, and seize the moment. The clock is ticking ⏰ , but there's still time to make a move that could brighten your holidays and your financial outlook. Here's to holiday joy, and to the smart steps we can take towards a brighter future! 🌟 Comment or message me to chat about what this could look like for you! 🤶🏼🎄🎁📊 *not professional tax advice. Just a suggestion to look into 😘

As you finish up your holiday shopping and preparations, there are a few things I want you to keep in mind… 🎄You still have to live after the holidays. Using the holidays as an excuse to spend whatever you want, whenever you want is going to leave you with a debt hangover and spending the first part of the year trying to recover rather than making progress to get ahead. 🎁Your kids will still love you even if you don’t buy every single thing on their Christmas list. One of the greatest gifts you can give your children is modeling healthy money behaviors and not continuously feeding into the societal norm of overconsumption. 🎄It’s okay to change or not participate in a holiday tradition if it jeopardizes your financial, emotional, or physical health. I know this can be a difficult and touchy situation when it comes to family and friends, but allow yourself to sit with the discomfort of disappointing somebody in order to protect your peace and well-being. If you don’t, the person you’re disappointing is you! 🎁The holidays happen at the same time every year. In January, start putting some money in savings each month so that this time next year will be financially stress free! Estimate what you will spend on gifts, travel, events, food, etc. and then divide it by 12 to determine the monthly amount. The holidays don’t have to be a major stressor on your finances. It’s already a busy time of year, so do yourself the favor of being financially prepared to spend like you want and enjoy the season. If you need help getting a better handle on your money, send me a message to talk about financial coaching. I still have a few openings this week for consultations before going on break. #DollarsandChange #FinancialCoach #WomenandMoney #PersonalFinance #HappyHolidays

🎄✨ 'Tis the Season to Sleigh Your Finances! 🛍️💸 As the holiday season approaches, let's sleigh those financial goals and keep the festive cheer without breaking the bank! 🎅🤑 Here are some tips to keep your finances in check this Christmas: 1️⃣ Jingle All the Way to a Budget: Create a budget and stick to it. Knowing your spending limits helps you avoid overspending on impulse buys. 📊🎁 2️⃣ Santa's List: Check It Twice: Make a list of gift recipients and what you plan to get them. This ensures thoughtful gifting without going overboard. 📜🎁 3️⃣ DIY Delights: Get crafty and create personalized, budget-friendly gifts. Handmade goodies and DIY projects add a special touch without breaking the bank. 🎨🎀 4️⃣ Elves Love Discounts: Keep an eye out for sales, discounts, and special promotions. Stretch your budget further by snagging those festive deals! 🛍️💰 5️⃣ Secret Santa Magic: Suggest a Secret Santa gift exchange for large friend or family groups. It adds an element of surprise while keeping costs down. 🎅🎁 6️⃣ Festive Feasts on a Budget: Plan holiday meals wisely. Potluck dinners or sharing the cooking responsibilities can spread the joy and the cost. 🍽️🥂 7️⃣ Reindeer Games, Not Credit Card Flames: Avoid relying on credit cards. Pay with cash or use debit cards to prevent post-holiday financial stress. 💳💸 8️⃣ Frosty the Frugal Snowman: Embrace the joy of frugality. Finding joy in the simple moments and experiences can make the season truly magical! ❄️✨ 9️⃣ Stockings Stuffed with Savings: Consider setting aside a holiday savings fund throughout the year. It can help alleviate the financial strain when December rolls around. 🧦💵 🔟 Give the Gift of Time: Sometimes, the most meaningful gifts don't cost a dime. Spend quality time with loved ones and create cherished memories together. ⏰👨👩👧👦 Remember, the spirit of the season isn't about the price tag but the love and joy we share. Keep those financial sugarplums dancing in your dreams, and have a holly, jolly, and financially savvy Christmas! 🎄💚💰 #yourfuturestrategy #yfs #wealthcreators #professionaladvisors

With the holiday season upon us, I wanted to share some personal tips on how I manage to keep my budget intact while spreading the holiday cheer. Here are five tried-and-true strategies: * Set a Clear Budget: First things first, I always establish a clear budget that suits my financial comfort zone. Knowing exactly how much I can spend helps me stay on track. * Make a List and Check It Twice: I create a thoughtful list of the people I want to surprise with gifts, and I brainstorm gift ideas within my budget. Sticking to the list is key to avoiding overspending! * Shop Early and Shop Smart: I'm a big fan of early holiday shopping. Scouting for deals, discounts, and online bargains is my go to. It's amazing how much you can save by being strategic (just like in business). * DIY Gifts and Personal Touches: Sometimes, the most heartfelt gifts are the ones made with love. I often craft homemade presents or add a personal touch to store-bought ones, and they're always appreciated. * Track Your Spending: To stay on top of things, I use budgeting apps to track my expenses in real-time. It's like having a financial elf on my shoulder, keeping me in check! Bonus Tip: Our family has a blast with a "Secret Santa" gift exchange. It reduces the number of gifts we need to buy and adds an element of surprise to our celebrations. Remember, the holidays are about making memories and cherishing moments with loved ones. With these budgeting tricks up my sleeve, I can fully enjoy the season without any financial stress. Do you have your own holiday budgeting hacks or traditions to share? Let's chat in the comments below and make this holiday season even merrier! #HolidayBudgeting #spreadjoynotdebt #personalfinancehacks #vet2mom #budgeting #Christmas

Yes, only 10 days until Christmas, and 10 business days left in the whole year! With that in mind I wanted to share with you 10 reasons why you shouldn't put off a meeting with a member of our team until 2024. 1) Our January calendars are already filling up with everyone wanting to wait until after the holidays. 2) Let us help eliminate one of your "New Years Resolutions" before it even makes your list. 3) If your birthday is in May, June, or July we need to meet before things get more expensive and its too late to do something about it. 4) We don't need to fund anything until after the holiday if you would prefer, but lets start the planning. 5) There are some financial advantages potentially to having a portfolio started in 2023 vs 2024. 6) Interest Rates have been dropping, we don't know what they will do in the future, but we can lock in the rates now and fund it later! 7) Time is running out to adjust your taxable income for 2023. 8) We have last minute holiday gift ideas for you and your loved ones. 9) We just repriced some of our solutions where we may be able to save you some money on your current plan 10) We just announced our largest dividend ever in our company. ***BONUS*** We would love to wish you a happy holidays in person.

🎄💼 Holiday Financial Tip: Plan, Save, Celebrate! 💼🎄 'Tis the season to be jolly without breaking the bank! 🌟 Here's a tip to manage your finances during the holidays: ✨ Plan Your Budget: Outline your holiday expenses, including gifts, decorations, and festivities. Having a clear budget prevents overspending. 🎁 Start Saving Early: Begin saving for the holidays ahead of time. A little each month can make a significant difference, ensuring you have a stress-free season. 🛍️ Shop Smart: Look for discounts, compare prices, and consider thoughtful, budget-friendly gifts. Your wallet and loved ones will appreciate it! Remember, the joy of the season isn't measured by the size of the gift but by the warmth of the heart. Need more personalized financial advice? Book a consultation with us at https://lnkd.in/gw5DGP3w. Let's make your holiday season both festive and financially savvy! 📆💬 #HolidayFinances #SmartSpending #BookNow