5 Signs Your Financial Future Is Dire

If you have a history of making poor spending decisions and repeating common money mistakes, such as racking up debt or neglecting to save for retirement, there’s still time to improve your future financial situation. By taking stock of long-term financial goals and saving, earning and budgeting more effectively, you can get your plans back on track.

If you’re concerned that your future financial picture looks bleak, experts suggest looking for these telltale signs, and regaining control over your finances with the following basic money-management principles.

[See: 15 Little Things That Impact Your Finances.]

Your credit card debt is increasing. “When I work with clients, the biggest sign of financial trouble is consistent or increasing credit card debt. It’s a clear sign of overspending,” says John Caserta, a chartered financial consultant and managing director at Caserta & de Jongh, LLC, a financial advisory firm with offices in Cheshire and New Haven, Connecticut.

Caserta says there can be many legitimate reasons for temporarily accumulating credit card debt, and so this doesn’t automatically mean that your financial future is grim. “But when there’s a history of transferring balances from one credit card to another without a decrease in the balance, there’s a clear cash flow problem,” he says.

The financial fix: Caserta advises consumers to take an inventory of income and expenses and create a cash flow statement in order to see how they’re spending their money. “That can be accomplished with pen and paper, free appsor even paid software. They have to choose what works for them,” he says.

In short, lower your credit card balance, and gradually pay off any lingering credit card debt each month to get your finances in order.

You don’t have enough money saved for an unexpected major expense. This may not be a sign of major financial ruin down the road, but it’s a way to assess whether you’ll have enough saved for an emergency when money is very tight.

“Unfortunately, life happens, and if you aren’t prepared for a flat tire, home repair or some other unexpected expense, it assures you’re having financial trouble,” says Amit Chopra, a certified financial planner and managing partner at Forefront Wealth Planning and Asset Management, a financial services firm in New York City.

The financial fix: Consider setting up an automatic withdrawal every month and have a certain amount of money go into a savings account. That way, eventually you will have some money to draw upon in the case of a financial emergency. It can be challenging to put money aside if you’re constantly struggling to pay bills, but it’s an important financial step. For example, you could start by diverting $50 a month, which would amount to $600 in a year. If that goes well, start setting aside $75 or $100 per month into an emergency fund to stay prepared.

You’ve raided your retirement account. If you’ve tapped into your retirement account, that’s a big clue you may encounter financial trouble down the road. “I see many people make the same mistake, which I feel is a precursor for a future financial disaster,” says Joseph Carpenito, a financial advisor in Boca Raton, Florida, at Raymond James Financial Services. Carpenito says he often will see clients with a 401(k) plan taking money out of their account in the form of a cash distribution.

“Most of these individuals are under 59 1/2 years old, and even after explaining the penalties and tax implications of taking an early cash distribution, I hear the same excuse: ‘Well, it’s only a couple thousand dollars.'”

[See: 8 Big Budgeting Blunders — and How to Fix Them.]

“Although now it only seems like a couple thousand dollars, investors are giving up growth and compounding interest potential, which over a long time horizon could be the equivalent of having hundreds of thousands of dollars less in retirement,” Carpenito says.

The financial fix: Find an alternative way to access money, such as putting money into a well-stocked emergency fund.

You barely have enough money for discretionary expenses. Do you live from paycheck to paycheck, and rarely, if ever, have extra money left over? Eventually you may run out of luck and money, and find yourself taking on more credit card debt or seeking out payday loans.

Corey VanDenBerg, a mortgage banker with Platinum Home Mortgage in Lafayette, Indiana, often sees people buy houses with the highest mortgage payment they can afford, instead of a payment that they can comfortably manage. “Many, many times, people are scrambling to find cash to close,” he says.

The financial fix: Putting money into a savings account and budgeting strategically may solve your paycheck to paycheck scenario. But when it comes to making major purchases like a house and car, get in the habit of crunching numbers and doing your research before consulting professionals. VanDenBerg says that many times clients will ask him, “How much can I afford?” Instead of asking mortgage lenders or car salespeople that question, it’s best to ask yourself how much you can afford, VanDenBerg says.

You haven’t done any financial planning. This is a troubling sign that your financial future is heading toward a frightening state, Chopra says. It may not seem like your finances are out of whack, especially if you’re living comfortably currently, but if you haven’t started saving for retirement, now is the time to kick-start planning to reach your long-term financial goals.

[See: How to Talk to Millennials About Money.]

The financial fix: Start budgeting. Make a list of your monthly fixed bills, like your mortgage or rent and your utility bills, and your expenses that aren’t fixed, such as your grocery bills and gas purchases. Track where your money is going each month. Once you have a budget in place, start creating some goals and ask yourself if you think you’ll be able to afford to pay for them in the future. For example, consider if you need to begin investing for your retirement or for your kids’ college fund. If you don’t think you’ll be able to meet your goals, that’s a wake-up call that you need to start putting money away now.

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Five financial habits you need to change ASAP

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Group of people playing slots.

gilaxia | E+ | Getty Images

Good financial habits don’t just happen. Like washboard abs, most people have to work to develop them.

Racking up monthly charges on your credit cards without paying off the balance is a common bad financial habit. Not reviewing credit card statements is another.

But other, more subtle behaviors can be tipoffs to a disorganized financial life.

Getting caught with a late fee because you lost or forgot about a bill points to a too-loose approach to finances. Avoiding financial decisions because you don’t know enough is another warning bell.

Sometimes an otherwise good financial decision – such as making extra mortgage payments – doesn’t make sense at a specific time. For people with student or credit card debt, for instance, that extra mortgage payment may not be a great choice, says Todd Hoffman, certified financial planner with Steward Partners.

Five habits you may think are no big deal can, in fact, make a difference when you want to accomplish financial goals.

1. You don’t have a budget

It may feel old-fashioned, but a budget is essential.

“There is no good excuse for not having a budget and keeping track of expenses, period,” said Elias Janetis, founder and CEO of Squeeze.com, a financial services comparison website.

Know that, even with a budget, you can still leak money. “Watch out for expenses like unused gym memberships with fine print that makes cancellation costly,” Janetis said. Another potential trap: free trials that require credit card info. Make sure these don’t turn into unwanted paid subscriptions.

A budget can prevent you getting too far off track, Hoffman says. If you regularly review expenses, you’ll see that something may be an actual problem and not just a onetime occurrence.

Get in the habit of consistent tracking, Hoffman says. You’ll know there’s a problem if your bank balance is dipping rather than rising at the end of the month.

2. You shop without a list

Spur-of-the-moment purchases are just one way to shop unthinkingly.

“People who don’t think through their purchase plan will get into financial trouble,” Janetis said.

When it comes to essential and recurring services such as cell phones, internet and cable, you need to compare prices and look for deals.

Make lists and do your due diligence to make sure you don’t spend more than necessary and possibly more than you have — whether it’s for a suit or a service billed monthly.

Check Consumer Reports and comparison websites, or talk over decisions with a knowledgeable friend who has already done the research.

3. You use a credit card daily

If credit card debt is starting to mount, you may want to take a second look at how you use cards. Don’t accumulate debt on everyday expenses. For groceries, gas money, daily purchases and the like, stick to a debit card.

Credit card negotiation

Credit card negotiation  

The money comes right out of your checking account, so you must limit spending to what’s available. You also won’t accrue any interest charges or late fees.

“Try keeping your credit cards at home to resist the temptation of a quick credit card swipe or use cash to make purchases,” Williams said. “It will quickly become clear where you can avoid overspending.”

4. Your finances are a forbidden topic

While not necessarily a bad habit, staying silent on financial matters may hurt you rather than help you, says Marissa Savino Williams, a financial advisor with Northwestern Mutual.

The way to become confident financially and reach your goals is to be willing to learn — and that means learning from your mistakes. “Read books [and] articles and talk to a financial advisor who can lead you in the right direction,” Williams said. “Your money is too important not to talk about.”

5. Your head’s in the clouds.

You are oblivious to your finances.

You don’t know your credit score. You don’t know all your company’s benefits. If your company offers a 401(k) plan and you’re not participating, you’re in denial about the fact that you’ll want to retire someday but you won’t have saved enough. Or you are saving through the 401(k), but you’re not saving enough to get the company match.

Howard Martell’s First Visit with the Dr. Jeffrey Lant

 

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BY Howard Martell President of Homeprofitcoach.com

My day started off great.  I woke up early and motivated to finally meet the CEO of my online home business which has helped me grow so much in knowledge of marketing using automation , history, and finally learning the art of writing good article content.

The drive was quite pleasant, for only being only 2 hours away from  the hotel where me and my wife were staying in Connecticut, while visiting family. As we entered the Cambridge area, wow was it beautiful and quite hard to navigate through all the one way streets and round abouts. I finally asked a local Cambridge man wearing a Boston Red Sox cap, “Can you tell me where Follen Street is located”?  He said “Its the last brick building on the right hand-side after the stairs”. I told him Happy New Year.

I walked towards the red, brick building and finally saw the correct number and was quite happy and looking forward to finally meeting Dr. Lant. As I rang his suite number, the door opened. I traveled towards the right hand side and took the elevator up 5 levels. When I turned the corner to enter, the first thing I saw was this vibrant and famous red room which he shows to the world online. The color and the contrast I saw when walking into his home would take any historians breath away.  He greeted me and shook my hand with a sincere look and smile and told me and my wife please come in.  Dr. Lant, as you know is a noted Historian and has at his home a life-like museum which has taken him over 20 years to procure. All of his collection worth millions.  Our tour started in the blue room, which is where he keeps his office. We were being very careful not to lean against or brush into any of his collection. This room was so vibrant, it felt like we were walking at a Hollywood Red carpet event.  The chandelier is the highlight of the room.  It was completely made of sparking diamonds.  When you first come into the room you see his computer monitor and next to it all his papers from which his masterful articles come to life for the whole world to see. This is where he sits and works his magic from 4:30 in the morning till 4:00 pm everyday. He has these beautiful columns made of rare marble and topped with gold. Finally the emperors chair, as we call it, is not a fancy chair but a sturdy black wooden chair with a pillow for his back.

Proceeding to the next area he has pictures of all the head of states autographed and in protected frames.  The paintings, from the 16-18 century, come to life as you stare at them.  There were these emperors chairs that were well restored and the stitching was something you will never see in your lifetime. As we continue on, he told us history of each piece of his collection down to these beautifully detailed clocks of pure silver and gold.  He has a special hand-picked team help him restore each and every piece of his living museum.

After the tour, Dr. Lant and I were helping get some lunch ready for all of us.  It consisted of Tempered Shrimp, and some yummy looking pigs in a blanket. I was offered some Sherry with cream and it went down your throat smooth and warmed your entire belly.

Dr. Lant wanted us to take pictures of his collection while he was broadcasting live to the world, helping our thousands of members and growing globally with closing of sales. So I started in the red room and started snapping shot after shot of all of his collections. As I was waiting for my que to come into the blue room, I was taking pictures of Dr. Lant broadcasting to the world. I spoke with my wife and explained to her what he was doing and we were saying to each other “he surely does have a passion for reaching out to people and in a direct but sincere manner”.  His words are cutting edge like a sword, but reach up and grab your attention with every sentence coming out of his mouth. The live web-cast was 20 minutes long. As we listened to each sentence coming out of his mouth, we could truly tell he loves helping others to become not only better marketers, but better well cultured people.

Dr. Lant called to me and said you will be sitting in my chair in 15 minutes. As the time approaches, I was nervous but excited to share with the world what I had seen so far.  His chair was comfortable and well positioned for the world to see the first ever Monitor who came to visit the good Dr. Lant and his collections.
As I spoke into the mike it was just like me broadcasting from my home but without all the vibrant colors and sitting in the CEO’s Emperor’s chair as we call it.  My voice was sharing what I could remember since arriving into Dr. Lant’s world.   The time flew by as I shared my experience with the world on what 2011 will be like for all the World Profit Dealers globally. So hold on to your seats everyone and get ready to have your world rocked with automation is what I said, and thanked Dr. Lant, George Kosch, and finally Sandy Hunter for helping me  and others make a nice residual income which keeps on growing following a proven system.

Dr Lant, then took over and shared what he thought about all of what I said and thanks me for coming up live to the world to share my experience. We all decided after a long day that it was time to conclude our day with a nice dinner at a local hotel, less than  1 block away from his home. Dr. Lant spoke to us while  we carefully navigated the snow and ice of the red brick walkway and was  explaining each detail of all the historic events within the
Cambridge area in detail. We all entered the restaurant and Dr.Lant was greeted by all the staff members with respect and admiration as we were seated.   The conversation ranged from history, religion and finally asked Dr. Lant about where he thought World-profit’s were going in 2011 and he said just wait and see what George has in store for you and all the members.  I was thinking to myself while seated, this seemed surreal that I was here with the CEO of the company that I work with online.  This is unprecedented in the history of Internet Marketing. I just smiled and thought feel so blessed to be in the presence of a pioneer online.

As we sat down and talked, I could tell he was enjoying the dinner and the company as we were following along with all he was saying. For all the nay-sayers who don’t like Dr. Lant and call  him a scam artist,  he is quite frankly  an honest business man.   My first impression of the him is that he is sincere and wants to help anyone who wants to invest time and effort into any of his or her businesses online.  So stop the negative press, you’re only helping him write more articles and get more exposure for the company.

In closing, as I had a private goodbye with Dr. Lant, I shared  my thoughts and told him my wife enjoyed the experience but fully didn’t understand why I do what I do and why this was so important to me. He said, most of the wives who have husbands who work online, feel at times that the business is taking away from their family time.  When in reality, it is helping create more time for your family. As I was about to leave, Dr. Lant gave me a nice fatherly hug and told me to drive safe and was looking forward to my next visit to Cambridge. He told me you’re well on your way to becoming a millionaire.  Keep up the work you do as Senior Monitor and you are positioned for success online now. Walking away, I was so blown away and felt so empowered that the CEO thought that much about me. This article shows each and everyone of you who is struggling online that dreams can come true and that through having the right system and education the world is your oyster.

Thank you,

ABOUT THE AUTHOR: Howard Martell is the President of HOMEPROFITCOACH.COM and has worked online for well over 12 yrs part time while holding down a full time career of  over 18 and half years active duty US Navy. For the past year, with World Profit online, he has helped people create residual income using automation.
FOR MORE INFORMATION FEEL FREE TO COMMENT ON HIS BLOG or call him at 757-962-2482 serious inquires only!!!

Visit my site for the following free goodies: Since 1994, Sandi and co-founders Dr. Jeffrey Lant and George Kosch have built Worldprofit into the company known as the

Words of wisdom from a professional internet marketer

 

Hello, My name is Howard Martell, AKA HOMEPROFITCOACH IN LLCConsultant and Business Coach.

I want to share some important information with you today in reference on how to properly leverage the correct tools online for maximize traffic exposure.

A little about myself been marketing for over 24 years online, and wasn’t until left my first career serving The Great Republic in the US Navy for 20 years as Cyber security professional that really realized what being a professional marketer and coach entailed.

My story is short and sweet hard working eager online marketer who needed assistance with how to properly build a list of solid clients globally and capture resultant sales.

In 2009 December one of my good marketing friends kept telling me about Worldprofit, and eventually signed in as a free associate and that same day joined as Silver Member.

 

Some of the tips I will provide can be utilized in any business:

 

Steps Involved In Starting A Successful Online Home Business

 

STEP 1: Obtain licenses.

 

STEP 2: Find a reliable hosting service for your website.

 

STEP 3: Make sure the look of your website is captivating, efficient, and that everything works.

 

STEP 4: Establish an online presence with social media and marketing sites. 

 

STEP 5: Ensure there is meaningful, well-worded information on your website. 

 

STEP 6: Establish business e-mail account list.

 

STEP 7: Put your contact information on your website. 

 

STEP 8: Employ or engineer word-of-mouth advertising on blogs, feedback on other people’s blogs, promotions, et cetera. 

 

STEP 9: Using keywords and dense document content will move your business up in Google’s ranking. 

 

STEP 10: Organize and keep receipts for internet connection, electricity, and any other business expenses for tax purposes. 

 

STEP 11: Make certain to file the correct business tax paperwork for tax time. 

 

STEP 12: Get insurance for your business, if necessary.

 

STEP 13: Start making money, pay your taxes in time and Enjoy your life!

 

 

 

 

Word of Advise: Try to avoid Internet scams if you are getting started with a internet based business. Many work-from-home opportunities advertised over the internet are scams and will try to charge you fees. Do not purchase expensive kits, books, or systems designed to make money. If they feature videos of people with expensive homes, cars, and images of “real checks” by the owner, do not buy into the scam.

 

That said, there a few reputable companies online that will pay you, although generally not in very high wages. Better to start your own business and create your own opportunities!

 

 

 


Tips On What To Avoid With Your Internet Business

 

  • Since a feeling of isolation can come from working online, make certain to take breaks and get out of the house often.
  • Keep your working hours within reasonable limits. If your business grows to big too handle by yourself, hire an employee.
  • Allowing interruptions is not wise. Inform everyone in the family of your working hours and do not allow interruptions to invade those hours.
  • Establish a clear and organized work space. No matter how small your home is, there must be an established area for work space. Do not mix your home stuff with your work stuff. Keep it organized for success.
  • Not creating a schedule is like driving without directions to your intended destination. A schedule is a necessary component of successful online businesses

God Bless,

See you at the Top,

Howard Martell Homeprofitcoach Inc LLC

Virginia Beach Va

Homeprofitcoach2012@gmail.com

Office: 757-647-2886 Skype: homeprofitcoach