Author: Emily Tierney and Darrell R. Tierney Keep an Emergency Fund = Keep Out of Debt Who should have an emergency fund? Everyone. Life happens and financial emergencies come up whether you are expecting them or not. Keeping an emergency fund or cash reserve helps keep these financial … [Read more...]
How Can I Avoid Debt?
A Simple Solution To Saving More
Author: Brent Lemieux CFA® CPA We all want to maximize our happiness today while still saving enough money for our future goals. So why is actually accomplishing this so difficult for so many of us? When it comes to spending money, we often have two separate states of mind. Depending on which … [Read more...]
6 Ideas for Cutting Back Spending and Living More Frugally
Author: Emily Tierney We all want to have enough money so that we don’t have to worry. When you look closely at wealthy individuals, you may be surprised to find that they don’t spend like they are wealthy. This is generally how they became wealthy to begin with – by consistently living below … [Read more...]
Where Can You Find A Guaranteed Rate Of Return?
Author: Emily Tierney In a low-interest rate environment one of the best ways to “earn” return is to pay off fixed interest rate loans. Like the old adage, “a penny saved is a penny earned”, paying off a fixed interest-rate loan may give your personal net worth the same boost as earning investment … [Read more...]
Saving versus Paying Down Debt
Should I focus on investing or paying off debt? At Windward, we like to see people debt-free but they also need enough retirement savings to last them throughout retirement. So debt-free or retirement savings? The answer is unique for everyone, but there are some basics to consider. One way to … [Read more...]