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The Intelligent Life Blog

Helping millions of Americans become educated
in making intelligent decisions around their life needs

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6 Budgeting Tips You Can Use Now

Jan 31, 2017 5:52:00 PM

Spending less than you make sounds like a simple financial goal, but it can be a challenge for many families. Achieving this goal can allow you to stay out of debt, invest for retirement, and save money for emergencies. In essence, this can be a ticket to financial freedom.

A recent Federal Reserve Board study found that nearly half of respondents wouldn't be able to cover a hypothetical $400 emergency without borrowing money. Some aren't able to meet this goal due to a lack of income, but in many cases, the problem is overspending. When overspending is an issue, some simple budgeting tools can help you see where your money comes from and where it's going.

Here are just six budgeting tips to move you closer towards the goal of financial freedom.

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Preparation & Planning Can Make the Worst Situations More Bearable

Jan 28, 2017 5:36:00 PM

Most of us like a good surprise, like a fancy dinner or a nice anniversary gift. Unfortunately, not all of life's surprises are pleasant. It's the unexpected job losses, health scares, and even family deaths that send shock waves through our system, making us wonder what we did to deserve such punishment. Here are some tips to deal with tough situations, how the death of a loved one can impact your life, and the ways that an insurance policy can help.

Getting Through Tough Situations

Some unexpected situations are more serious than others. How we handle life and what it throws our way has more to do with personality than the problems themselves. An eight-decade study, called The Longevity Project, has found that the happiest and healthiest people have close relationships, are physically active, and help others. These are things that you can continue to do in the midst of difficult situations to help with stress and even grief.

Other ways to handle tough situations include finding acceptance of what has happened, looking for any life lessons involved, and trying to view the situation realistically instead of emotionally. This can be particularly difficult in the case of a death where there wasn't proper planning.

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