Jameson Van Houten of Stonegate Capital Advisors shares five financial tips that every savvy spender should consider this fall.

1. 5 Finance Tips for the Fall
JAMESON VAN HOUTEN OF STONEGATE CAPITAL ADVISORS SHARES FIVE FINANCIAL
TIPS THAT EVERY SAVVY SPENDER SHOULD CONSIDER THIS FALL.

2. Don’t just visualize
 It is easy to envision a financial plan in
one’s head. However, it is a
completely different story to put that
plan on paper as a tangible thing. It is
oftentimes easier to stick to a budget
if it is all laid out on paper. Planning
out where each dollar is going every
month will certainly help in budgeting
effectively throughout the month and
year. Instead of thinking that a budget
is constricting, think instead of it as
being liberating and a plan for getting
what the individual wants in the
future.

3. Always plan to be debt-free in the
future
 Being in debt is never a good
feeling. It is for this reason that
one of the keys to financial
success is to have a plan in place
to be debt-free in the
future. Jameson Van Houten
shares that constantly worrying
about making payments is not
any way to live and that one’s
financial plan should always be to
end up debt-free in the future.

4. Seek out help
 When budgeting, it is
important to talk with one’s
spouse or someone with
financial experience in order to
set financial goals and stick to
them. When managing high
volumes of wealth, it is
prudent to seek out the
services of a financial advisor
like those at Stonegate Capital
Advisors.

5. Stop getting into more debt
 One of the mistakes that many
people make when trying to get
out of debt is that they end up
with more debt than they
originally had. Instead of making
purchases with a credit card that
an individual is already behind on,
it might make more sense to pay
for that item in cash. All of these
small purchases can add up at the
end of the month if they are not
properly accounted for.

6. Spend less than what is earned
 At the end of the day, Jameson
Van Houten shares that
spending more than what an
individual earns each month is
never a good idea, even if they
have the account balances to
handle this kind of financial
stress. Individuals should
consider spending less than
what they earn each month so
that they have some money to
put into savings, rainy-day funds
and retirement accounts.