Summer is around the corner, and many of us are planning some vacations to enjoy time with friends or family. Hopefully you have asked how do I budget for vacations and are prepared. As you make reservations and prepare summer budgets, take time to review your monthly budget. How much money have you set aside [...]
When budgeting each month, many parents face a trade off between saving for retirement versus saving for your children’s college education. In this trade off, retirement savings may be partially or entirely sacrificed for your children’s future — a valiant decision in the short term that may have serious long-term implications. With this in mind, [...]
If you’re thinking about starting a family, or already have a baby on the way, preparing for the costs of raising a child can be daunting. Not only do you have to consider the cost of diapers and baby food, but you may even be thinking about starting a college fund or buying a house. [...]
Mother’s Day is coming up quick (Sunday, May 10, in case you forgot), and for those on tight summer budgets, it can be hard to show your mom how amazing she is without breaking the bank. With this in mind, ELM3 has a few helpful gift ideas for those on a budget. Groupon — This [...]
Happy Earth Day everyone! As we work towards taking better care of our planet, we are often reminded that, while using renewable energy may be cost-effective in the long run, the up-front costs can run high. With this in mind, ELM3 would like to remind you of a few clean energy tax credits and exemptions [...]
This past Tuesday, April 14, marked another national Equal Pay Day — an annual reminder of the persisting wage gap between men and women in the United States. To help you better understand the factors contributing to such a gap and the repercussions of discriminatory income practices, ELM3 has compiled a series of articles on [...]
Budgeting can be a tedious process, especially when you are hard-pressed to find time to enter your expenditures at the end of each week or month. Even then, if you wait too long, you might overspend without realizing it. I was having this issue while using an excel spreadsheet for budgeting. Because I had to manually [...]
April 1 is fast approaching, and if you turned 70 1/2 in 2014, you may want to mark this day on your calendar. Those who celebrated that pivotal half birthday last year have until April 1 to take their first "required minimum distribution" (RMD) from their retirement accounts. If you do not take the distribution, [...]
If your car unexpectedly breaks down or you are laid off, having an emergency fund could help you and your family remain afloat. Otherwise, you may go even further into debt when emergencies arise, or at the very least, you will have to spend significant time and energy completely re-working your budget. Even while many [...]
A nightmare scenario: You save a portion of each of your paychecks for retirement. You invest frugally and work towards paying off outstanding debts and loans. Yet 10 or even 15 years into retirement, you are running low on funds, and you ask yourself, how did I reach this point? Indeed, many Americans fail to fully [...]
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