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🦃 Happy Thanksgiving from Smart Money! This year, we’re thankful for many things... like the savings in our emergency fund, the smart money moves we made (even if we didn’t buy that 3rd slice of pie 🍰), and, of course, the power of budgeting to make sure we still have room for dessert! 😅 🤑 Pro Tip for Today: You don’t need to overextend your budget for that Thanksgiving feast—just plan ahead and track your spending to save some leftovers in your bank account, too. 💸 We’re grateful for YOU and your commitment to making smarter financial decisions. Here’s to making even better choices tomorrow (after you nap off that turkey, of course 🦃💤). Enjoy the day, enjoy the food, and keep building a brighter financial future! 🌟 📲 For more money tips that will keep your wallet stuffed (and not your stomach 😜), check out our website: https://buff.ly/40ZxULj 🦃 #SmartMoneyHabits #SmartMoney #Thanksgiving #Grateful #SmartMoneyMoves #FinancialGoals #SmartSpending #BudgetingTips #TurkeyAndSavings

All year long, we’ve been telling you, “Buy that property!” But no, you were scared. Now the year is almost over, and you’re still on the fence. Here’s the thing: It’s not too late. You still have time to make a wise decision with your money. Or... you can spend it all on “Detty December” and enter January wondering, “What did I even do with my money?” Properties don’t depreciate—they appreciate! That plot of land you hesitated to buy in March? It’s probably worth more now. Imagine what it’ll be worth next December. So, before the “Detty December” fever hits, ask yourself: 1. Do I want lasting value or fleeting fun? 2. Am I building wealth or burning cash? You deserve to treat yourself, but wouldn’t a piece of property be the best treat of all? Start now, invest smart, and make 2025 your year of owning assets, not regrets. What will you choose this December? Let’s talk in the comments! © Kelechi Margret Egbule Property Manager | Wealth Advisor #RealEstateGoals #InvestSmart #DettyDecemberOrProperty #WealthCreation

Christmas is coming soon and so is the New Year! I had to break out the new tree to bring some festive cheer to our office space. 🎅 🎄 I have been having conversations with clients and friends who have money saved for a purchase they plan to make in early 2025 (1st time home down-payment, rental property, business purchase etc.). They have a chunk of change saved that they don't want sitting in a bank not growing but they also don't want to risk losing any of that money in the stock market. They want some growth, they need the money liquid and capital preserved. Here are a few ideas: 🎄 1. High-Yield Savings Accounts: Offer much higher interest rates than normal savings accounts i.e. 4-5% APY. Still offer liquidity to get your money out when you need it. 🎄 2. Short-term CDs: Offer competitive interest rates with top HYSAs and also provide capital preservation. You do have to commit to locking that money down for set amount of time if you want to get the interest rate stated. 🎄 3. Investing in Money Markets or Treasuries: Money market accounts offer a higher rate of interest than a savings account and can be opened at most banks. They do often have limitations on number of withdrawals you are allowed to take. Investing is short term treasury bills can also offer growth and an interest rate of return. Treasuries are backed by the U.S. government for what that is worth to you. Capital preservation isn't a problem, but you do want to hold the bill to maturity to get the interest rate. Let's all push to make our money work better for us in 2025! #investing #financialplanning #budgeting #christmas

🚨 Countdown Alert: How Are You Ending #NoSpendSeptember? 🚨 We’re in the final stretch of No-Spend September, and the real question is: How are you going to finish strong? With just a few days left, now’s your chance to end the month on a high note. Whether you’ve stayed committed or slipped a little (we’ve all been there), these last days are a golden opportunity to refocus and crush your savings goals. Here are 3 quick ways to finish strong: 1. Reassess your goals: Why did you start this challenge? Refocus on those initial goals and give them the energy they deserve. 2. Quick win: Cut just one more expense: Pick one non-essential—whether it’s a delivery service or an impulse buy—ditch it and redirect that cash to savings. 3. Celebrate your progress: Even if you didn’t hit every target, acknowledge what you did achieve. Financial progress is a journey, not a sprint. You’ve got this! Let’s end September on a high and roll into October feeling empowered and ready for the next challenge. How will you close out these final days? 💪 #NoSpendSeptember #FinancialFreedom #EntrepreneurLife #KnowYourNumbers #KnowYourWorth #LadyBanker

It's Money Monday: Addressing Common Money Problems Struggling with money can feel overwhelming, but understanding the root causes can be the first step toward financial health. Here are some common reasons why money problems arise: Not Having a Plan 📋: Without a budget or financial plan, it's easy to lose track of spending and saving, leading to financial instability. Not Having an Emergency Fund 🚨: Unexpected expenses can derail your finances if you don’t have a savings buffer. Not Having Enough Money 💸: Living paycheck to paycheck or having insufficient income to cover basic needs can create ongoing financial stress. An Unhealthy Relationship with Money 💔: Emotional spending, avoidance of financial responsibilities, or poor money habits can undermine financial stability. Lack of Financial Literacy 📚: Understanding how to manage money, invest, and save is crucial for financial success. Without this knowledge, making informed financial decisions is challenging. Conflict Over Priorities ⚖️: Disagreements with partners or family about financial goals and spending can lead to financial chaos. If you’re struggling with one or more of these issues, I’m here to help. Set up a free assessment call at https://lnkd.in/etyT8rY4 and let's work together to create a path to financial wellness. #MoneyCoach #GracefulMoneySolutions #MoneyMonday #FinancialWellness #PlanYourFuture #FreeAssessment Reach out today!

Saturday Money Thoughts 💭💸 It's Saturday! For many, it’s a day to unwind, meet friends, or simply take a break from the weekday grind. But while we rest, our finances don’t. They either work for us or slip away silently. Here’s a simple Saturday challenge: 👉 Take 15 minutes today to reflect on your finances. Are your savings working for you, or are they just sitting in a low-interest account? 👉 Think about one small financial habit you could improve. Maybe it’s setting up an automated SIP, planning a monthly budget, or learning something new about investing. 📈 Remember: small steps compound over time. Even when we’re on a break, our money should be working, growing, and setting us up for a more secure future. Enjoy your Saturday, but give your money a little attention too. Future you will be grateful. 🙌 #FinanceTips #WeekendThoughts #InvestSmart #MoneyMatters #PersonalFinance

🚨 Are you making these 5 common money mistakes? 🚨 We all want to feel in control of our finances, but sometimes we unknowingly fall into habits that hurt our long-term goals. Here are the 5 most common money mistakes—and how to fix them: 1️⃣ Living paycheck to paycheck This cycle keeps you stuck without a safety net. Start by building a budget and saving—even $50 a month can make a difference. 2️⃣ Not paying yourself first If you wait until the end of the month to save, you’re likely saving nothing. Automate your savings to make it effortless. 3️⃣ Ignoring high-interest debt Credit card debt can quickly snowball. Tackle it head-on using strategies like the snowball or avalanche method. 4️⃣ Neglecting investments Savings accounts alone won’t build wealth. Start investing early—time in the market beats timing the market every time. 5️⃣ Not having a plan Without clear goals, your money lacks direction. Define your financial priorities—whether it’s buying a home, saving for retirement, or traveling the world. 💡 Here’s the good news: It’s never too late to turn things around. If you’re making any of these mistakes, you’re not alone—but you don’t have to go it alone either. #FinancialPlanning #MoneyMistakes #WealthBuilding #PersonalFinance #FinancialFreedom

Sources of Income Both Big and Small Lots of Paydays There are many standard ways to get income, and there are some creative ways as well. Our standard income includes Social Security and income from Cindie’s part-time job as a baker. The first requires no effort, but Cindie works on Mondays and Thursdays to get the baker income. Some income can be gained with little or no effort. Some income requires a bit more effort. This includes income from trading covered call options. However income by itself is not very satisfying nor is it lasting. We should ask “so what?”, when we consider our income. #proverbs27flocks #investing101 #investing #investingtips #investingstrategy #investingforbeginners #dividendinvesting #dividendstocks #dividendgrowth #retirementincome #stocks

October isn't just falling leaves, sweaters, and pumpkin, spice, latte, and bread, but more importantly it's: NATIONAL FINANCIAL PLANNING MONTH! Why do I need one you may ask??? 1️⃣ You tell your money where it's going versus you wondering where it goes each month 😏 . 2️⃣ It's how you make your goals happen versus having hopes and dreams 🏖 ! 3️⃣ It enables you to pay down debt so you can start saving larger amounts to achieve your goals 😉 . 4️⃣ It allows you and your spouse to be on the same page and avoid arguments or worse 😬 !! If you are just flying by the seat of your pants each month without a plan, get busy this month before the holidays come and credit card balances get out of hand 👍. #financialplan #money #debt #goals

Great note for October: Financial Planning Month. If you don't have a plan for all seasons, through the ups and downs of life, give us a call. We'll help you through it! #CredoFinancialAdvisors #FinancialPlanning #RetirementPlanning #October