A global economic slowdown and raging inflation have many households examining their spending choices. In good times and bad, budgeting is perhaps the most important tool to help you reach the goals in your personal financial plan. According to a 2020 Forbes Advisor...
spending plan
Tracking Your Financial Fitness
I've been wearing a Fitbit for almost two years now. Each day, when I've met my step goal, it gently buzzes to let me know - a "high five" of sorts. It syncs with my devices of choice and emails are sent automatically to let me know about various points of...
Savings—It’s an Emergency!
How is your nest egg? If you do not have the savings that you want to have and/or do not have a plan to get there, perhaps a different approach is in order. It has occurred to me that whenever there is an emergency we drop everything else and focus on that event or...
Post Holiday Blues
Welcome! Welcome to the first issue of Smart Spending! Based on our client conversations, APC is launching a newsletter specifically targeted to provide information and ideas on better budgeting, goal setting, money psychology and, well, smarter spending decisions. As...