Debt & Money Management
Understanding money matters and managing your cash flow are an integral part of any sound financial management strategy. Effectively managing your cash flow can free up capital to save and invest—assets you can put to work—helping you pursue your financial goals.
Hopefully you are already out of debt (with the possible exception for your home mortgage); if not we can help you develop strategies to achieve that goal, such as:
- Developing a spending plan (no one likes to budget so we call it a spending plan)
- Identifying any monthly surplus that can be applied to achieving your goals
- Prioritizing how to most effectively use that surplus among you different goals:
- Building your cash reserves... think Emergency Fund
- Paying off debts... and in what order
- Saving for the short term
- Investing for the long term