Clever Girl Finance

DECEMBER 16, 2023

If you don’t feel like you truly have a strong handle on your finances, one possible cause for that is using a budgeting method that doesn’t work. While not everyone needs a to-the-penny balanced budget, some type of budgeting strategy or template is really important if you want to know where your money is going month after month.

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Clever Girl Finance

JULY 16, 2023

Budgeting as a couple is critical in managing your household finances. Your budget not only allows you to plan and track where the money will be spent, but it enables you to direct the course of your finances together. Table of contents 5 Steps to get started budgeting as a couple Expert tip What is the best way to budget as a couple?

Budgeting 98

Budgeting Communication Certified Financial Planner Accounting 98

MazumaBusinessAccounting

APRIL 10, 2021

When you try to manage the accounting and bookkeeping for your business yourself, you may run into trouble. Here are some things to consider before you try DIY accounting for your business. You should be able to spend time on ways to grow your business, not accounting and bookkeeping. .

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Accounting Taxes Budgeting Numbers 98

Clever Girl Finance

NOVEMBER 4, 2023

Love it or hate it, if you want to be financially successful, you need to budget your money and success with budgeting means understanding budget categories. So, let’s talk about the various categories that you might need, including a budget categories list! How many categories should I have for a budget?

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Clever Girl Finance

SEPTEMBER 11, 2023

Like many, you might shudder at the word budget, or perhaps it sounds too boring or challenging to figure out. But the 50-30-20 rule and the 50 30 20 budget template prove it doesn’t have to be difficult. If you’re looking to simplify your budgeting process or are new to budgeting, then this might be the perfect match!

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Budgeting Taxes Transportation Healthcare 105

Clever Girl Finance

AUGUST 21, 2024

Setting a budget might sound about as fun as doing your taxes, but trust me, it doesn’t have to be a drag! Whether you’re just starting out or need a little refresher, let’s break down the key factors you should consider when setting a budget! Adjust as your budget as needed 7. Table of contents 1.

Budgeting 98

Budgeting Planning Retirement Transportation 98

WiserAdvisor

JULY 2, 2025

Using Health Savings Accounts (HSAs) to manage healthcare costs in retirement A health savings account (HSA) is one of the most tax-efficient tools available for covering qualified medical expenses, both before and during retirement. Tax-free growth on interest and investment returns within the account.

Healthcare 59

Healthcare Financial Advisor Management Medical 59

MainStreet Financial Planning

MARCH 12, 2025

You can reduce your stock exposure and increase investments in fixed income options, such as cash or bonds, within tax-advantaged accounts (like a 401(k), IRA, or Roth IRA). This adjustment lowers risk without triggering tax consequences, giving you more stability in uncertain markets.

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Economics Asset Allocation Financial Planning Taxes 87

Clever Girl Finance

JULY 13, 2024

The 60/30/10 budget turns the traditional rules of budgeting upside down. Instead of focusing on discretionary spending, this budgeting rule emphasizes sprinting toward our financial goals. And although the 60/30/10 rule budget won’t work for everyone, many could use it to take their finances to the next level.

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Clever Girl Finance

AUGUST 10, 2023

Budgeting is one of the most important financial habits to develop. There are so many budgeting methods out there to choose from, but it’s not just creating a budget that will set you up for financial success. How do I plan for variable vs fixed expenses in my budget? What are average expenses for a household?

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Budgeting Insurance Accounting Medical 98

Clever Girl Finance

JANUARY 16, 2024

There are many different ways to come up with your perfect budgeting strategy. Alongside your monthly budget, you should also have a bare bones budget waiting in the wings. Table of contents What is a bare bones budget? Who needs a bare bones budget? It’s a budget that only covers the necessities.

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Clever Girl Finance

JANUARY 16, 2024

A quick Google search of budgeting methods will show you that there’s no shortage of options out there. There is, however, one particular budgeting method that could work well if you are just getting started with budgeting and more so if you don’t like the idea of a monthly budget. What is a paycheck budget?

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Budgeting Accounting Banking Planning 98

WiserAdvisor

OCTOBER 4, 2022

There are multiple factors to weigh in, right from healthcare and inflation to estate planning, business succession planning, tax planning, and more. These expenses may form a large part of your budget today but may not likely figure in the future. Additionally, you would also have to account for health insurance premiums.

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Good Financial Cents

MARCH 17, 2023

This information is critical if you want to create a budget and manage your money correctly. I’ll also share some budgeting and side hustle tips so you can get the most out of the money you earn. Paid Time Off for Hourly Employees Earning $25 per Hour How Much Is $25 An Hour After Taxes? How Does $25 an Hour Compare?

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Budgeting Taxes Retirement Planning Food 103

Clever Girl Finance

SEPTEMBER 7, 2023

In personal finance, where income, expenses, dreams, and aspirations converge, the budget emerges as a crucial tool. And when you have a family, creating a family budget becomes even more important. Table of contents What is a family budget? How does a typical family budget look? What is the average family monthly budget?

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Budgeting Transportation Medical Insurance 98

WiserAdvisor

JUNE 13, 2025

It can also help reduce taxes and make life easier for your family during difficult times. Here’s what to focus on: List your assets: Include properties, investments, savings, retirement accounts, insurance, and personal valuables. Name your beneficiaries: Especially for accounts like 401(k)s, IRAs, and insurance policies.

Estate Planning 59

Estate Planning Taxes Retirement Healthcare 59

The Big Picture

MARCH 10, 2025

” A : Money is NOT a store of value to be useful, a dollar must maintain its value long enough for me to pay my rent or mortgage, buy food and energy, fund my entertainment and travel, pay my taxes, and get invested. Units of account seem inevitable once you go beyond barter and basic trade. It does that splendidly.

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Truemind Capital

AUGUST 2, 2024

Here is what we are doing to efficiently manage investments after accounting for the budget changes. – Debt funds investment made before 31 Mar 2023 will qualify for LTCG after two years and be taxed at 12.5% Although the effective tax rate has gone up marginally, the holding period for LTCG has come down.

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Nationwide Financial

AUGUST 29, 2022

Key Takeaways: Even without new legislation, the prospect of higher taxes in the future is still looming. The impact of higher taxes on retirees could be substantial, so staying up to date on the current tax landscape is vital. But even without new legislation, the prospect of higher taxes in the future is still looming.

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The Big Picture

JUNE 27, 2024

Most of us get paid by a direct deposit into our bank account. If they get a 7% increase in wages, they see a modest increase in their direct deposit of after FICA, federal and state withholding taxes, 401K, etc. and energy as a percentage of your household budget is less than it ever was.

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Budgeting Economics Sales Media 315

Yardley Wealth Management

NOVEMBER 12, 2024

Aim to set aside three to six months’ worth of living expenses in a liquid savings account. Start saving early by contributing to tax-advantaged accounts like 529 Plans or Coverdell Education Savings Accounts (ESAs). Plus, they can be used to cover various educational expenses, including tuition, room, and board.

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Financial Planning Planning Estate Planning Education 52

Zoe Financial

JUNE 6, 2025

Review Your Budget — And Your Spending Leaks Even high earners lose track of money. Ensure you’re earning a competitive rate on savings Rebalance between checking, savings, and investment accounts Consider a high-yield account for emergency reserves 4. Are your investment accounts aligned with your risk profile and goals?

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WiserAdvisor

JUNE 4, 2025

Financial advisors should take these factors into account to ensure their clients receive the right experience. They want a financial strategy that takes every aspect of their life into account, such as their income situation, investment goals, debt, risk appetite, and more. They are looking for something much more cohesive.

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Financial Planning Planning Financial Advisor Ethics 59

Tobias Financial

JUNE 16, 2025

These events may affect your investment approach, tax planning strategies, insurance needs, and estate planning documents. Monthly or quarterly reviews of bank statements, budgets, and investment accounts can help monitor your day-to-day financial health.

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Planning Engineering Financial Planning Financial Advisor 52

Your Richest Life

JUNE 3, 2024

The truth is, only good things can come from looking at all your accounts, your spending, your savings, etc., Find some tax savings While your taxes are fresh on your mind, you can use this time to organize your paperwork, checking your withholdings and evaluating your tax-savings strategies.

Budgeting 97

Budgeting Taxes CFP Retirement 97

Getting Your Financial Ducks In A Row

JUNE 12, 2023

If you’re having trouble balancing your budget (your income is less than your expenses) you’ll need to look at the “nice” expenses and determine what you can do without. As you know, there are many types of investment accounts, investment products, and the like, that you could use to increase your bottom line.

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Budgeting Taxes Accounting Retirement 121

Carson Wealth

JUNE 27, 2025

Tax planning. Utilizing tax-efficient investment strategies, such as municipal bonds and tax-managed ETFs, may help minimize tax liabilities. Charitable giving and philanthropic activities can also provide tax benefits while supporting causes you care about. Budget for emergencies. Tax planning is crucial.

Financial Planning 52

Financial Planning Planning Management Estate Planning 52

Carson Wealth

OCTOBER 24, 2024

Taxes One of the biggest financial considerations for Americans retiring abroad is understanding how taxes will work. is one of the few countries that taxes its citizens on worldwide income, regardless of where they reside. tax return every year. To avoid double taxation — paying taxes both in the U.S.

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Retirement Healthcare Taxes Medical 143

WiserAdvisor

JUNE 27, 2025

And a tax-efficient withdrawal strategy that won’t sabotage your nest egg early. Unless you’ve planned a dedicated healthcare bridge (or have access to employer-sponsored retiree coverage), this cost can derail even the most detailed budget. This approach involves: Building up taxable brokerage accounts or cash savings.

Retirement 59

Retirement Planning Retirement Planning Taxes 59

Talon Wealth

OCTOBER 26, 2023

Even if you can’t contribute a significant amount each month, any savings will help strengthen your financial future, put you on track for a comfortable retirement, and take advantage of specific tax incentives. Create a Budget Creating a budget allows you to track your expenses and ensure you’re saving enough for retirement.

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Retirement Retirement Planning Budgeting Taxes 98

James Hendries

SEPTEMBER 25, 2022

Draft a Retirement Budget. Even if you haven’t adhered to a strict budget during your working years, having a budget during the early months of retirement may be crucial—spending more than you’ve planned or failing to anticipate certain large expenses may impact your future retirement income.

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Clever Girl Finance

DECEMBER 23, 2024

As a freelancer, you juggle not only your craft but also your finances, taxes, and retirement planning. As a freelancer, youre your own boss, accountant, and financial planner all rolled into one. Create a realistic budget 2. Plan for taxes ahead of time 4. That’s where financial planning for freelancers comes in.

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Budgeting Financial Planning Planning Insurance 52

Zoe Financial

JUNE 18, 2025

This can come from dividends, interest, rental income, and distributions from brokerage or retirement accounts. For example, if funds are invested in a brokerage or retirement account, they may generate dividends or interest, which contribute to total earnings. Spend Spending refers to the money leaving an account for expenses.

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Insurance Accounting Taxes Retirement 40

Clever Girl Finance

SEPTEMBER 28, 2022

There are many different ways to come up with your perfect budgeting strategy. Alongside your monthly budget, you should also have a bare bones budget waiting in the wings. What is a bare bones budget? It's a budget that only covers the necessities. That's why this is not a sustainable long-term budget.

Budgeting 59

Budgeting Transportation Retirement Food 59

MazumaBusinessAccounting

FEBRUARY 1, 2023

Accounting and tax software have made it possible for small businesses to get along without having an in-house accountant. However, as businesses grow, accounting issues get more complex, and tax filings become too cumbersome for owners to handle. Overview: What Does a Small Business Accountant Do?

Accounting 52

Accounting Budgeting Taxes Recruitment 52

Clever Girl Finance

MARCH 28, 2023

The importance of understanding financial literacy basics Financial literacy covers several topics , including budgeting, banking, investing, handling debt, and planning for the future. And budgeting isn’t as tricky as it sounds. Open a bank account Bank accounts are a safe way to store your money.

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Budgeting Accounting Banking Retirement 110

Clever Girl Finance

JUNE 12, 2023

Let’s talk about saving money for your child via custodial accounts and education plans. Different types of custodial accounts for minors can help you save for your child’s future. Table of contents What is a custodial account? Are custodial accounts a good idea? Can parents take money from custodial accounts?

Accounting 64

Accounting Education Taxes Planning 64