An interesting financial planning idea that is making the rounds these days is also one of the simplest: a letter to yourself. More specifically, a letter from your future self to you, today. Come again? Imagine yourself in five years, assuming everything has gone more or less as you hope it will. You’re healthy, in…
Whenever there’s a lot of fear, there also seems to be a lot of misinformation, and sometimes good information mixed in with bad. This is certainly the case with identity theft, which now, according to a 2007 survey of the Federal Trade Commission, counts some 8 million people a year as victims. So what can…
Penny-Pinching Consumers The economy has spurred Americans to save money any which way they can. Here’s where we’re pinching pennies: Purchasing more generic brands 63% Brown-bagging lunch 45% Going to the hairdresser or barber less 39% Cancelling one or more magazine subscriptions 33% Cutting down on dry cleaning 22% No longer purchasing morning coffee 21%…
Now that the weather has finally begun to show signs of spring, it seems a natural inclination for many of us to look around our homes and begin some cleaning, organizing, sorting out and donating. There is a lot to be said for the psychological impact of a clean and tidy homestead, but these activities…
Welcome! Welcome to the first issue of Smart Spending! Based on our client conversations, APC is launching a newsletter specifically targeted to provide information and ideas on better budgeting, goal setting, money psychology and, well, smarter spending decisions. As always, we welcome and encourage any feedback or ideas for specific questions that we can address…