Budget Binder

Budget Binder

In case some of you want to use a Budget Binder, I found this site that offers you a free download of the sheets that go into the budget binder. These sheets are as follows:

Cover Sheet
Debt Tracker
Savings Tracker
Monthly Bills
Monthly Expenses
Financial Goals
Savings Goals
Notes

Significant Changes Coming to TSP and IRAs from SECURE Act

Thrift Savings Plan

Before adjourning in late December, Congress enacted a $1.4 trillion year-end spending bill that keeps the federal government running through Sept. 30, 2020. President Trump signed the legislation. Tucked away inside this spending legislation is the Setting Every Community Up for Retirement Enhancement (SECURE) Act which includes significant changes to individual retirement arrangements (IRAs) and retirement plans including the Thrift Savings Plan (TSP).

4 Myths About Taxes in Retirement

Taxes

When you’re planning for retirement, you want to make certain that your money lasts as long as possible (preferably as long as you do!). What’s one of the things that can derail an otherwise great retirement plan? Taxes.

Eliminating Debt Without Paying: Fact or Fiction?

Eliminating Debt

Paying credit card bills can feel like fighting a fire. You put out one flame and another pops up. Eventually, you just want to get away from the flames.

A lot of people think the best way is by filing bankruptcy, mainly because they can escape without paying their bills.