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Adulting….

I know…we were just kids what seems like just yesterday amiright? I swear I was just 15 years old getting out of work at Baskin Robbins, picking up my best friend and going to see Clueless in the theater (that only cost $5 btw). And now here we are, kinda mid-aged and talking about things like “financial futures”. Well, whether we like it or not we need to talk about these sorts of things now. In an attempt to be an adultier adult, I researched how to “live the good life after I’ve had these damn kids and they’ve sucked all the life out of me” and these are my top 5 things you can do today to secure your financial future. Keep in mind, that I am definitely open for more extended learning and suggestions. So shoot your best advice in the comment section below!

5 Things You Can Do Today To Secure Your Financial Future:

1. Track Your Spending & Live Within Your Means
This is the #1 thing to start doing today because it’s the easiest and is the step that will make the most immediate difference in your finances. It’s easy: Don’t overspend and don’t use credit to live a lifestyle you cannot afford. There are even super easy money tracking apps such as Mint that will make this step as easy as pie.

2. Save What You Can for Retirement
I know it seems like retirement is a lifetime away, but everyone says the sooner you can start saving the better. Try setting up automatic monthly contributions in a small to moderate amount to a retirement plan, such as an employer-sponsored 401(k) if you have access to one, or an IRA if you don’t.

3. SAVE Money & Set Short-Term Goals
Life holds so many uncertainties, from a home repair to a job loss. Start getting used to saving money every week right now. Save as much as you would spend on a nice lunch out with coworkers and go from there. Setting short term goals is a great way to save money quickly and to get out of debt if need be. You can start out small, such as “by December I will have saved $750” and go from there. Likewise, it’s possible to set short term goals to pay off credit debts.

4. Take Calculated Risks & Invest in Yourself
This one may sound crazy, but I highly suggest you take calculated risks, such as moving to a city with more job opportunities or taking on a new job that pays less but has more future potential. We’re actually getting ready to move to the East Coast for this very reason. And the biggest takeaway from this step is to never learning and growing! We are an ever-evolving project that can achieve the unbelievable if given the opportunity! (so corny I know, I’m sorry heehee).

5. Plan for the unpredictable
If for no other reason to create a stable financial future than to secure our children’s futures as well, please stop what you’re doing right this minute and create a free Will online and get Term Life Insurance. I love fabric, because they understand families and make everything as easy as possible to secure your financial future. Do this and you’ll thank me!! Don’t leave your loved ones with no direction and debt!

Term Life Insurance…huh?

What is it and Why do I need it?

To put it shortly, without all of the financial security in the world, our loved ones won’t be ensured for immediate expenses upon our death as they would with a term life insurance. Term Life Insurance is an agreement between you and the insurance company that states that if you pass away while the policy is active and in force, the insurer will make a lump sum payment (aka“death benefit,” and aka “coverage amount”) to the person or persons of your choosing. This money could be used to help replace your lost income and make debt payments in your absence. It could also include one-time expenses like funeral costs or other ongoing expenses after you’re gone.

It may sound so serious to get a term life insurance quote, but I assure you that the folks at fabric have you and your families best interest at heart. Fabric makes it easy to tackle your financial to-dos and help protect your family. Life is unpredictable, and God Forbid we leave our families with no security. I urge you to get your term life insurance quote today, I bet the rate is a whole lot lower than you expected.

Tell me your advice in the comments section below!