Spring cleaning may usually involve combing through drawers inexplicably full of bobby pins, UNO cards, and silverware; however, in lieu of (or in addition to) these grueling vacuuming adventures, consider whipping out your old bank statements for a good ol' fashioned financial spring cleaning. The Stoplight System will help you evaluate your spending and savings habits [...]
A special healthcare enrollment period will open from March 15 to April 30 for uninsured tax payers facing a penalty when filing their 2014 return. While these tax payers will still have to pay the "shared responsibility payment" for the 2014 tax year, they will have the opportunity to avoid the fine for the 2015 [...]
As you might have read about in January’s mailing, some of you may be receiving a new form 1095 that summarizes which individuals in your household are covered and the months during which they were covered. These forms will be important for filing your tax return this year, so make sure to include them when [...]
Budgeting can be an arduous task. We often think we will save more and spend less than we actually do. Instead of pouring over spreadsheets wondering where it all went wrong, use your mistakes as an opportunity to identify and learn from your weaknesses. Review January's budget and make a note of the services or goods on [...]
While this article focuses on shopping for clothing, these tips are also applicable to shopping for decorations or furniture. Know Your Style For the next two weeks, catalogue the clothes you wear and determine which you wear most frequently and why. Perhaps you like the fit or the material. Either way, start making a list of [...]
Write a reasonable grocery list You just read an article on the benefits of eating brussels sprouts, and even though you never eat brussels sprouts and actually think they taste like sandpaper, you spontaneously add sprouts to your list. Take a moment to rethink this decision, and remember a reasonable grocery list should... Include foods you will probably [...]
Do some early spring cleaning For the next couple of weeks, take note of the magazines and newspapers you frequently read, the online subscriptions you frequently use, the extent to which you watch cable television, ect. Then compare your habits with your credit card bills. Are you subscribing to 10 magazines but only read two? [...]
Valentine’s Day is right around the corner, and some of you may be considering taking your romantic relationship to the next level. Whether you and your partner are thinking of getting married or moving in together, you should start discussing how or whether you will merge your finances. To start the conversation, each of you [...]
Happy February everyone! Many of you may be gearing up for a romantic Valentine’s Day dinner or hoping the warm spring weather will come quickly. As you jump into the season of hearts and chocolate, you may also want to consider gathering the necessary materials to prepare your tax return. You may think April 15 [...]
We hope everyone is excited for another tax season! At ELM3, we are prepared to make this season seamless and stress-free for our clients. While you may be in the habit of dropping off your tax documents without a second thought, preparing and reviewing your tax return is a wonderful opportunity to learn about your [...]
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