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Plenty of studious and smart money savers have opted to start putting money aside for a variety of reasons, most of which have to do with the continuation of saving money or building more wealth and net worth.
Very rarely do you see that same group of people saving money for something that is short term or has little to no return on their investment. And that even more rarely get emotionally involved in the decision making and instead turn to being as cerebral and honest as possible.
You’ll never hear talk of a loan, either. These diligent, hard working individuals use their money and save accordingly.
The one event that combines all things wrong with money, saving and borrowing is the coveted and much anticipated wedding day. The wedding itself is money and spending personified. The average wedding costs nearly $30,000, and most people don’t have that kind of money lying around, and the even the longest engagement period is hardly going to net that kind of cash on hand.
So then, talk turns of borrowing that kind of money, which has become more of the norm as it relates to weddings. But is that really such a smart idea?
This question money wise is tougher than it looks on paper since the event has to happen, and because of its unforgettable nature, you have to assume you don’t want to skimp when going all out is paramount for that memory so many long to feel.
But the idea of assuming debt for a wedding realistically doesn’t make any sense for a number of reasons, notably the fact that you’ll be heading into a new relationship as a couple already in some serious debt. The real money saving needs to begin with saving cash in a matter that goes back to old fashioned budgeting, cutting expenses such as cable television and not eating out at restaurants and starting to figure out a way to afford this wedding with blood, sweat and eventually tears of joy.
That being said, you can figure on saving or needing to save at least 50 percent of the wedding costs with your own willpower and money. If you need to borrow, make sure it’s a fraction of what your total cost is going to be.
Personal, signature loans tend to have lower to moderately low rates of less than 10 percent interest and even lower if you go through an employer.
While it is never advisable to borrow money for something that isn’t home improvement, buying a vehicle or house or something other that is tangible and necessary, you wedding is priceless as far as memories go but that doesn’t mean it has to be so pricey.
Regardless if you’re 20 something years old and just started a new, first job or 20 years into a career and contemplating the tail end of your working life, retirement also is going to be on your mind.
And at the end of the day, retirement is quite simple: save as much money as you can through your own budgeting and cutting of expenses and also tap into savings plans through your office in the form of a pension or 401K and even a flexible spending account can be tapped into as well.
One of the biggest fears of the masses is running out of money once retirement age and that decision is reached. Far too often, people plan to retire, and that day arrives and all is well and good for a few years and then reality sets in and retirement doesn’t seem so wonderful.
What exactly happened? You ran out of money, and now you’re scrambling to pay you bills or even hang on to your house.
So you can ask the same question again, how did this happen? Why did you run out of money?
You may have look back at how it all got started. Did you start saving right away? The key to start a retirement plan is to do so when you are younger and make sure you’re giving enough money. The general rule of thumb is secure and save as much cash as possible is to hold about 10% of your pay back for the 401K, and anything less makes it tough to truthfully save enough money to retire on time and make it last.
If you’re not investing and putting aside the most money, usually 10% but can be as low as 2%, you’re giving away free money since most companies offer some sort of a dollar for dollar match.
Finally, retirement can be plagued by spending far too quickly and too often upon retiring, meaning your penchant and propensity to save money is undercut by wanting to take vacations, spend money and try your best to enjoy your time off from work since you’ve been working straight for the last 30 years.
As much as traveling sounds so cliche and so remarkable, you might not have the type of retirement plan or money set aside to do all that. That sort of spending should be reserved for the right type of retirement, the one that you planned 30 years ago knowing you had exactly so many number of dollars aside for calling it quits.
The bottom line is if you’re not saving as much or as studious as possible for retirement, you’ll never last without your former job as a source of income.