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How a Holiday Budget Can Save You From the January Credit Card Bill Blues

How a Holiday Budget Can Save You From the January Credit Card Bill Blues

The holidays will be here sooner than you think.  Just look at the local stores already selling holiday decorations.  Personally, I just love the gift giving holidays, but my budget would say some years I have loved it a little too much.  And when January credit card bills roll in you definitely know you loved the gift giving too much.  But if you start now, you can make the holiday heartburn disappear.

Make a list of all the people you would like to honor with a gift this holiday.  Think of the decorations you might want to add, and the wrapping paper and tape it will take for all those presents.  Are you going to splurge on a large holiday meal with prime rib for everyone?

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Do You Need a Divorce Coach?

Do You Need a Divorce Coach?

Over the last few years, I have been hearing more and more about women (and men) working with a divorce coach to help them during and after their divorce.  They are often seeking out the help of a good coach because they want an experienced guide who can help ease the emotional pain of their divorce while focused on the things that matter most.

To find out more about what a divorce coach does and how a coaching program may be a help to you, I turned to well-known divorce coach Elisabeth Klein.  Elisabeth has written multiple books, speaks to thousands of women each year, and provides coaching to women who are either in a difficulty marriage or who are going through a divorce.

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3 Lazy Ways to Achieve Financial Fitness After Your Divorce

3 Lazy Ways to Achieve Financial Fitness After Your Divorce

Getting through the emotional, mental and financial challenges of a divorce is rarely easy.  While you may feel a sense of relief when that ordeal is concluded, you still have a variety of challenges to face – redefining yourself as a single woman, a changed social and perhaps economic picture, and processing the end of your marriage. 

All of that can be pretty exhausting, which is why you might be looking for some simple, even lazy ways, to make sure your financial fitness is on track post-divorce.

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Your Social Security Divorce Options Have Just Changed

Your Social Security Divorce Options Have Just Changed

If you are divorced, the recent changes to the Social Security law may mean that you will not be able to collect as much from Social Security as you had thought.  That is because the Budget Act of 2015 eliminated the option for anyone born after 1953 to file what is called a restricted application.

A restricted application allowed you to begin collecting a Social Security retirement benefit from your ex-husband at your full retirement age and then switch to receiving benefits based on your work history at age 70.  This made sense for many divorced women because for every month you delay starting your Social Security benefits, the amount of your monthly benefits increases.  A restricted application would allow you to get paid based on your ex-husband’s Social Security benefits while waiting for your benefits to grow larger.

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Five Surprising Facts About Divorce and Social Security

Five Surprising Facts About Divorce and Social Security

Not too long ago, a friend of ours gave us a bottle of pure maple syrup from Vermont.  It was delicious.

It got me thinking about the process of how maple syrup was made.  I wasn’t sure how they got syrup from a tree, so I did a little bit of online research.  Apparently, they put what they call a spile into a tree and the tree sap comes out through the spile and into a container below.

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Securities offered through Royal Alliance Associates, Inc., member FINRA/SIPC. Insurance and investment advisory services offered through Phase 3 Advisory Services Ltd., a registered investment advisor not affiliated with Royal Alliance.

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