Spending Advice


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Spending Advice

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From budget plans to financial planning tools, here’s to spending less and loving it.

Cheers to that.

[/vc_column_text][vc_raw_html]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[/vc_raw_html][/vc_column][/mk_page_section][mk_page_section padding_top=”50″ padding_bottom=”0″ sidebar=”sidebar-1″][vc_column width=”3/4″][mk_fancy_title color=”#5ba6d2″ size=”50″ force_font_size=”true” size_smallscreen=”30″ size_tablet=”30″ size_phone=”30″ font_weight=”300″ font_style=”normal” letter_spacing=”-2″ margin_bottom=”0″ font_family=”Open+Sans” font_type=”google”]How Do I Spend Less (and Still Be Happy)?[/mk_fancy_title][mk_fancy_title color=”#8c8c8c” size=”24″ force_font_size=”true” size_smallscreen=”18″ size_tablet=”18″ size_phone=”18″ font_weight=”300″ font_style=”normal” margin_bottom=”0″ font_family=”Open+Sans” font_type=”google”]Spend less, save more, be happy. Sounds so simple, right? Whether you’re cutting costs to save for the future or just trying to simplify life by eliminating debt, a spending plan is important.[/mk_fancy_title][vc_custom_heading text=”Let’s spend less to live more. Use these personal budget tips to get started:” font_container=”tag:h2|font_size:24|text_align:left” google_fonts=”font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:400%20regular%3A400%3Anormal”][mk_divider style=”thin_solid”][vc_single_image image=”13129″ img_size=”full”][vc_custom_heading text=”Don’t overspend on housing or vehicles
” font_container=”tag:h2|font_size:24|text_align:left” google_fonts=”font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:400%20regular%3A400%3Anormal”][vc_column_text]Don’t bite off more than you can chew: One of the most common ways people get on a bad financial track is by purchasing a home or car that’s too expensive.[/vc_column_text][mk_mini_callout]Pro tip: Know how much you can afford. We recommend spending less than 40% of your monthly income on mortgage and car payments. [/mk_mini_callout][mk_mini_callout]Buying a house? Check out our homebuyer’s guide for tips.[/mk_mini_callout][mk_divider style=”thin_solid”][vc_single_image image=”13130″ img_size=”full”][vc_custom_heading text=”Track your spending” font_container=”tag:h2|font_size:24|text_align:left” google_fonts=”font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:400%20regular%3A400%3Anormal”][vc_column_text]How do you know where your money is going if you don’t track it? Use the 50-30-20 rule (50% of your income on needs, 30% on wants and 20% on savings) to create your monthly household budget.[/vc_column_text][mk_mini_callout]Pro tip: Get the most from your spending plan by getting rewarded for saving.[/mk_mini_callout][mk_divider style=”thin_solid”][vc_single_image image=”13131″ img_size=”full”][vc_custom_heading text=”Know your debt threshold” font_container=”tag:h2|font_size:24|text_align:left” google_fonts=”font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:400%20regular%3A400%3Anormal”][vc_column_text]Eliminating debt is important, but spending all your money paying it off isn’t very realistic (you still need to keep the lights on after all). Try to keep debt payments to under 40% of your monthly pre-tax income.[/vc_column_text][mk_mini_callout]Pro tip: Try using the snowball method, a financial planning tool for paying off debt faster.[/mk_mini_callout][/vc_column][vc_column width=”1/4″][vc_raw_html]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[/vc_raw_html][ess_grid alias=”spending_advice”][/vc_column][/mk_page_section][mk_page_section bg_color=”#f05249″ padding_top=”0″ padding_bottom=”0″ sidebar=”sidebar-1″][vc_column css=”.vc_custom_1450315333092{padding-top: 20px !important;padding-bottom: 20px !important;}”][mk_custom_box padding_horizental=”0″ margin_bottom=”0″][vc_row_inner][vc_column_inner width=”9/12″][mk_fancy_title color=”#ffffff” size=”40″ font_weight=”300″ letter_spacing=”-2″ margin_bottom=”0″ font_family=”Open+Sans” font_type=”google” align=”center”]Questions? Contact a financial professional.[/mk_fancy_title][/vc_column_inner][vc_column_inner width=”3/12″][mk_button dimension=”outline” corner_style=”rounded” size=”large” url=”/financial-professional-form” target=”_blank” align=”center” margin_bottom=”0″ outline_skin=”light”]GET STARTED[/mk_button][/vc_column_inner][/vc_row_inner][/mk_custom_box][/vc_column][/mk_page_section]