Jill Russo Foster

Financial Literacy Month – Tip #21

Planning Ahead

Here’s the tip from October 20 – More Income / Planning Ahead month:

While we are in a month of More Income and Planning Ahead, today would be a good time to begin thinking about your financial future and the documents that you should have in place to make sure things are carried out according to your plans and wishes. Think about this today and over the next few days we’ll talk about the specific documents that I think are absolutely necessary for you to make sure you have taken care of regardless of your age.

To purchase a copy of either of my books Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day or 111 Ways To Save

#JillRussoFoster #30WaysToSave

Financial Literacy Month – Tip #20

Off Season

Here’s the tip from October 15 – More Income / Planning Ahead month:

Think off season. Companies that would be slow and looking for work may give you a better price than when they are busy and in high demand. Off season at this time of year would be patio furniture, barbeque grills, summer clothing, etc. Now might be the time to make the purchase and store it until the time when you can use it.

To purchase a copy of either of my books Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day or 111 Ways To Save

#JillRussoFoster #30WaysToSave

Financial Literacy Month – Tip #19

Lower Rates

Here’s the tip from August 20 – Debt Reduction month:

If you find that you can’t open a new credit card, call your credit card company and discuss your options. Can they offer you better terms? Mention how long you have been a customer and that you have always paid your bills on time. If the first person says no, then ask to speak with a supervisor. This is not scary, they are people too.

To purchase a copy of either of my books Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day or 111 Ways To Save

#JillRussoFoster #30WaysToSave

Financial Literacy Month – Tip #19

Job Benefits

Here’s the tip from October 5 – More Income / Planning Ahead month:

Have you checked out your company benefits lately? No, I am not talking about your medical benefits. I am talking about the perks that some companies offer their employees. Do they have tickets to sporting events? Do they sponsor a community event? Do they reimburse you for classes? All these things add up.

I know that through the company my husband worked for we have gone to car events at no cost (my husband is a big car enthusiast). We saved $20 admission fee each, because sponsors get tickets. When I was growing up, my father was always given sporting event tickets for the family through his work. Ask and see what your company may offer.

To purchase a copy of either of my books Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day or 111 Ways To Save

#JillRussoFoster #30WaysToSave

Teach Your Children About Money and Finances

Do you want to teach your children about good financial habits?

Cash, Credit and Your Finances

My book Cash Credit and Your Finances: The Teen Years was voted “Best Teen Book” by the Teen Team at Radical Parenting.

Cash Credit and Your Finances: The Teen Years shares basic concepts of managing money including setting and living within a budget, working with a bank, opening accounts, managing credit and debt, paying for a college education, and making major purchases, such as a computer or car. Get your copy today.

Cash Credit and Your Finances: The Teen Years is 10% off in April’s Financial Literacy Month when purchased at JillRussoFoster.com. Select the book and make the purchase through my website / BookLocker and use code 10FinancialMonth to receive the discount.

Financial Literacy Month – Tip #18

Your List

Here’s the tip from August 13 – Debt Reduction month:

What came up on your list? Did you think you need to generate more income? Do you think you need to spend less? Either way, you need to take action. Start to put your plan in motion. When you get extra money, pay it towards your debt. Don’t let it sit in your pocket. Money will find a way to be spent. Make a payment as soon as you get the money. Yes, you can make multiple credit card payments in one month to pay the balance off faster.

To purchase a copy of either of my books Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day or 111 Ways To Save

#JillRussoFoster #30WaysToSave

Financial Literacy Month – Tip #17

Game Plan

Here’s the tip from August 12 – Debt Reduction month:

Let’s start to payoff this debt. Since you have been working on trimming your expenses and generating more money, can you use that money to pay down this debt? If you still don’t have the money to pay down this debt, you need to have a plan.

How are you going to get more money? Do you need to cut back more? Do you need to sell more? Write down twenty ways to get more money to pay down this debt. Write down anything that comes into your mind (don’t worry that it’s not possible). See what your mind is thinking. Write you lis ton the Appendix.

To purchase a copy of either of my books Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day or 111 Ways To Save

#JillRussoFoster #30WaysToSave

Financial Literacy Month – Tip #16

Making A Choice

Here’s the tip from August 8 – Debt Reduction month:

Yes, everyone needs a plan. You can’t get from point A to point B without a map.

There are two schools of thought out there on paying off your debt. Option 1 is to pay off your debt starting with the smallest balance and working your way towards the bigger debts. In my experience, people who want a sense of accomplishment, who like to see things crossed off as they are completed, do well with this method. Option 2 is to pay off the debt with the highest interest rate and work your way down to the lowest interest rate. This works well for the person who is bothered by seeing their money go out the door.

The choice is yours, but you must make a choice today.

To purchase a copy of either of my books Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day or 111 Ways To Save

#JillRussoFoster #30WaysToSave

Financial Literacy Month – Tip #15

Clear Picture

Here’s the tip from August 3 – Debt Reduction month:

Okay, this is the time to face reality. You need to get out all your bills today and make a list of each and every debt that you owe. I want you to list the creditors name, the amount owed, the minimum payment amount and the interest rate. See Appendix for today.

To purchase a copy of either of my books Thrive In Five: Take Charge of Your Finances in 5 Minutes a Day or 111 Ways To Save

#JillRussoFoster #30WaysToSave

My Books On Sale

Looking for something to read? My books are 10% off in April when purchased at JillRussoFoster.com. Select the book(s) and make the purchase through BookLocker (click the book picture) and use code 10FinancialMonth to receive the discount.