Curtis Financial Planning

Budgeting Help

Creating New Spending Habits After Shelter-In-Place

One of the most desired and, at the same time, hardest-to-do financial tasks is to create a budget and stick to it. I know this from my personal experience and that of my clients. It is the rare person who enjoys purposefully creating spending limits – because that is what a budget does – it sets limits …

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THE CARES ACT REVIEW PART V: Health Provisions

One of the objectives of the Coronavirus Aid, Relief and Economic Security Act (CARES) is to help people get the care they need with fewer obstacles and less-in-person contact. It adds to the health provisions in a bill passed in March – the Families First Coronavirus Response Act (FFCRA). The CARES ACT health provisions will …

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Updated for 2020: Triple Tax Savings For You: Health Savings Plan (HSAs) Explained

If you don’t know about Health Savings Accounts (HSA’s) and are eligible to open one, you’re missing out on an excellent savings vehicle with fantastic tax benefits. What is an HSA? An HSA is a tax-exempt trust or custodial account established with a bank, insurance company or other IRS-approved entity. They are triple tax-advantaged – …

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The CARES Act Reviewed: Part III Expanded Unemployment Benefits

MILLIONS OF PEOPLE ARE OUT OF WORK With millions of people out of work due to the Coronavirus, the CARES Act provides much-needed relief in the form of expanded unemployment benefits. It covers workers previously ineligible for benefits, including self-employed, part-time workers, gig workers, freelancers, and independent contractors. It also helps those who have recently …

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Budgeting for Happiness with Spreadsheets On Spreadsheet Day

Nowadays, it seems there is a “day” for everything. And, today, October 17, is spreadsheet day. Spreadsheet day commemorates the day the first spreadsheet program, Visicalc, was released way back in 1979. Spreadsheets are a great tool because they help us to organize and categorize data into a logical format. Then, we can use them to analyze …

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The Importance of Financial Education

It’s a well-known fact that America has a huge financial literacy problem. The causes of this lack of financial knowledge are often cited as a deficiency of personal finance education in schools or at home. Personally, I would love to see personal finance as a mandatory senior year high school course. I think it would …

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How To Make Sure You See All the Places On Your Bucket List

Americans love to travel. When I ask my clients what they want more of in their life now and later, the most common answer includes “I want to travel more.” And, many tell me that their travel spending is a non-negotiable expense. This wanderlust grows after retirement as the time constraint that existed while working …

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25 Tips to Get Your Clothes Shopping Habit Under Control

If your shopping habit is interfering with reaching other financial goals, getting you into trouble with your significant other, causing you to rack up credit card debt, or just simply makes you feel bad about yourself, this article is for you. The first step is to face reality. Go over last year’s credit card and …

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