Budgeting Archives | McIntosh & Associates, Inc.

Budgeting

Medicare Open Enrollment Medicare annual election period runs October 15 through December 7. During this time, you can make changes to various aspects of your coverage and review your medical or prescription plan needs. We will also do a complimentary retirement check up to ensure your coverage is adequate for the coming years of retirement. […]

Managing Finances Can Help Couples Avoid Common Pitfalls Just over 2 million couples tied the knot last year, a rate of 6.9 per 1,000 total population. About 70% of those couples have argued or will argue about money. Disagreements about finances top other subjects such as household chores, snoring, togetherness, sex, and what’s for dinner. […]

September is National Self-Improvement Month! The perfect time to make some changes in your life, especially when it comes to your finances. Financial professional Mindy McIntosh talks with FOX66 WSMH about how everyone can get started to reach their financial goals. Self-Improvement Month 1. Evaluate & Create a Plan – It doesn’t matter what your […]

Home loans often make up significant amounts of household debt, and reducing as much debt as possible before entering retirement can seem like a promising idea. But, as with many other financial questions, there is no precise answer; it all depends. The Consumer Financial Protection Bureau estimates that 30% of homeowners 65 and older—about 6.5 […]

Lazy days on the beach, summer concerts, fun getaways and backyard barbecues – these are all hallmarks of summer. But unfortunately for too many of us, these fun in the sun experiences may be burning holes in our pocketbooks. In fact, 1 in 5 Americans will go into debt this summer to pay for a […]

Family Conversations: Financial Hardship & Life Changes When is the last time you talked about your insurance plan with your family? If you’re assuming that you should just take care of it yourself and avoid the conversation, think again. It can be hard to talk about what life would be like for your family if […]

Whether you are sending your Kindergartner or College student off to their first day in the “real world”, it takes some strategy to juggle the big shopping list of back-to-school needs. It can quickly add up but the good news is if you shop smart, you can really save a lot! Mindy McIntosh talks with […]

Every kid wants to sport the latest supplies while walking the halls in style. How to save when shopping for back to school: 1. Set a Budget – Start with a budget, and a budget is only as good as the paper it’s written on. Once you know what your budget is, you have a […]

Credit Score Changes There are big changes coming to the way our credit scores are calculated. Financial professional Mindy McIntosh talked with WSMH about how these changes will impact all of us and offered tips to boost your credit score. Pay your bills on time and make your monthly payments in full. This will always […]

Classrooms at universities and colleges across the nation will be back to classes soon. You might have a child, grandchild, niece or nephew who is all set to spend their semester studying, socializing and living on their own. You have prepared them for college life by teaching them how to grocery shop, prepare simple meals […]

Being free from the burden of debt might sound too good to be true, but it’s possible. Mindy McIntosh talks with Fox 66 Profitt Report: “Some people feel like financial independence is being very wealthy,” says Mindy, who has a simpler view of what it means to be financially free. “It’s more of ‘okay we […]

Financial Challenges for Women Preparing for the future is one of the most important aspects of financial strategizing, and a lack of involvement often leaves women, in particular, potentially exposed to financial hardships later in life. Don’t expect a spouse, partner, or other family member to help ensure financial security. Women investors face several challenges […]

Fun activities in the summer can turn into wonderful teaching tools and they keep everyone in the family active! Create a scrub-a-dub toy wash. Trying to do your own spring cleaning? Get the kids involved with a toy wash. Bring out all the bikes, trikes, trucks and more and run them through the hose, sprinkler […]

Preparing for the future is one of the most important aspects of financial strategizing, and a lack of involvement often leaves women, in particular, potentially exposed to financial hardships later in life. Don’t expect a spouse, partner, or other family member to help ensure financial security. Women investors face several challenges to helping build wealth […]

No price is set in stone, and that goes for a wide variety of goods and services! Whether you’re shopping for a couch or a cellphone, don’t be afraid to speak up and ask for a better deal. It doesn’t hurt to ask; a little haggling could add up to big savings. Financial professional Mindy […]