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Balancing Your Budget and Developing Long-Term Savings

There are many things to buy and in today’s consumer culture it is more difficult than ever to say “NO”. Learning to live within your means and save for the future is a discipline you can learn over time to create financial security. Putting effort into changing habits makes a big difference in how successful you will be in creating a savings plan. Balancing your budget is as much about habit as it is about planning. Learning where to find deals on products, understanding value, and making better choices takes time to ingrain as a way of thinking. Start small and slowly move toward higher levels of spending discipline.  You can still get what you want but should learn the best use of your money. You will have to give up the idea of spending as a type of wealth. If you are truly wealthy you can spend on lots of things you enjoy; but they do it with cash. Wealthy people don’t normally just waste money and have a keen sense of value. Spending all your disposable income and maxing out

Gallop Poll Shows Positive Worker Outlook

A poll by Gallop brings discusses improvement in worker perception of employment. 58% of full and part-time workers say they are completely satisfied with their jobs as compared to 50% in 2009-2013. The growth in the economy, lower unemployment rates, and improving employment opportunities are having an impact on worker perception.  The numbers also spotlight a few areas of concern. The amount of work, physical conditions, relationship with bosses, job security, recognition and workload are above 50%. Areas below 50% are opportunities for promotion, retirement, health insurance, earning power, and job stress.  Benefits such as health insurance and retirement have taken a significant hit in the current market. Employers often cut back on these expensive benefits due to the inherent increasing costs with little direct return to the employer. Employees will be asked to pick up a higher percentage of these costs.  A problem results when earning power is not sufficiently ri