Author - Fiscal Fitness Clubs of America

Between Christmas and New Year’s, it’s time for reflection and resolution…

Soon the rush of the Holidays will be past and we’ll have that precious period that feels like a small lull between the busyness of last year and the burst of energy the new year brings. It’s a time to enjoy family, relaxation and contemplate successes and challenges.  That, of course, brings us to the infamous New Year’s Resolutions.   This is when we decide that we want to be better selves.  We want to be patient, make more friends, [...]

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Jangled Nerves the Video

Jangled Nerves, Jangled Nerves, Jangled all the way. Oh what fun it is to charge next year’s raise away, hey! Dashing through the mall, with credit card in hand, buying gifts for all, spending while we can. Now we’re having fun, spending on gifts, food and frills but then comes January one And all the credit card bills, oh! Jangled Nerves, Jangled Nerves, Jangled all the way. Oh what fun it is to charge next year’s raise away, hey! Looking for more money saving holiday gift ideas? Download our Taming the Holiday [...]

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Taming the Holiday Budget

Before the exuberance, impulsiveness, and desire to express love takes over, let’s tame that holiday spending! Let’s have your budget meet your need to join in the celebration and help you get what you REALLY want from your money. Avoid the budget blues and truly live the Holiday Joy! By focusing on the meaning and messages that you want to share, you can find ways to give and still avoid the January credit card surprise.  We have designed a thought [...]

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Year End Tango with Taxes

We love the image of Tango with Taxes, because the Tango is intricate.  There are very specific steps you must take and they must coordinate with your partner and the beat of the music.  Year-end tax planning is intricate, too.  There are very specific steps you must take and they need to be coordinated with both your cash flow and goals, along with the IRS.  The Tango is also intimate, and, let’s face it, money and taxes are too! To [...]

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10 Quick Rules About Open Enrollment

1. Block out time as soon as you know the date you need to make your selection by. Block out 1 hour for 2 days to dive into the options and create a list of your questions for your workplace benefits contact.  Plan for additional time to research the best choices for you. 2. Sign up for the no-brainers like all the disability coverage that is offered. If you really can’t afford all of the disability coverage that is offered, [...]

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You Won a $5,000 Shopping Spree!

If you won a shopping spree of $5,000 at an electronics store, how much planning would you do before spending day?  We were surprised that most employees only spend an average of 30 minutes on selecting their employee benefits. It seems like our brains just see it as another chore to race through. Considering that the majority of employees also depend greatly on their employee benefits for their financial well-being, this was a surprise to us!   On average, benefits are 30% of salary [...]

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Don’t Get Taken to The Cleaners!

Avoid these 20 Mistakes with Property and Casualty Insurance  Here are 20 ways you can mess up your P & C coverage that can cause the insurance company not to pay claims. Now, not all of these are 100% accurate for every policy in every state, BUT they are worth examining and discussing with your company or agent. Mistakes we make as homeowners:  1. Not telling the insurance company (or county assessor) about any improvements made like finishing the basement or remodeling a [...]

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Boring Chore Saves Real $$$

Could we get this as a Tweeter headline? Maybe if we added that Donald Trump says, “Boring Chore Saves Real Money!”, then we’d get lots of readers. We frequently ask people if they would take a junk job for a few hours a week at convenient times, would they do it so they could retire earlier. Most say, “YES”! Well, here is a boring job that will save you substantial money AND time in the future. It’s called (drum roll please…) [...]

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Letters To Myself

My greatest fear is losing myself…It’s not just Alzheimer’s or dementia, but that I’ll forget the lessons I’ve painstakingly learned about facing tough challenges head on or those of being responsible and not causing others unnecessary pain. I don’t want to be that old person who shouldn’t be driving and hits a child. I don’t want to be the one who is too proud to ask for help from family, so I get swindled by asking the first person who is nice to [...]

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How HR Can Help In Defusing the Legal Documents Bomb

There’s a ticking time bomb out there that can cause collateral damage for your employees and lost productivity for your company. We don’t know how long that procrastination fuse is, but we know it’s lit! The bomb is the lack of legal documents. We don’t mean just wills either.  Having the right Powers of Attorney and HIPAA authorizations for family members can save time and heartache. In a medical emergency, would your employees have the correct documents on hand to help a loved [...]

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