Financial,Coach,the,Cure,for,B business, insurance Is a Financial Coach the Cure for the Financial Blues?
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Do you need a financial coach? Are you drowning in debt? Still paying off the holiday credit card expenses? Is there too much month left at the end of the money?If the financial blues have you down and you don't see any way out from under that mountain of debt, it might be the right time to hire a financial coach. Don't think you need financial coaching? Do even a few of the following ten reasons describe you and your situation?Top 10 Reasons You Just Might Need a Financial Coach 10. You think budgets are only for businesses 9. You have no idea how to set and keep a monthly household budget 8. You only pay the minimum on your credit cards month to month? 7. You carry high balances on your credit cards 6. You have never looked at your credit report 5. You don't have a rainy day fund for repairs – household, vehicle, etc. 4. Your mortgage payment is more than 1/3 of your monthly income 3. You think investments are only for the 1 percent. 2. You think retirement planning is for someone with a chance to actually retire. 1. You don't think you need life or disability insurance because you're young and healthyAccording to a survey in 2013 from Bankrate.com, 76% or Americans are basically living paycheck to paycheck and are not saving for emergencies. Another Bankrate.com survey also showed that 26% of Americans aged 50 to 64 have nothing saved for retirement. That's nada, zip, zero.A little financial coaching could have helped those people accumulate a little savings to use in their golden years. If you are an average American, no matter your age, a financial coach can help you get rid of those pesky financial blues.What a Financial Coach Can Do For YouStart Saving For RetirementIf you want your golden years to be golden, you need to start saving right now. A wealth coach can help you implement effective strategies to improve your situation and start building your retirement nest egg.Get Out of DebtWhether your credit cards bills are growing slowly or you're already being harassed by collection companies, credit cards are one of the leading causes of the financial blues. A coach can help you learn ways to pay off your debt and avoid getting back in the hole.Budgets are Not Just for BusinessesNo matter how much you make, you probably need a budget. Because most people spend more when they make more, it doesn’t matter which tax bracket you call home. It is important to keep track of expenses and learn to follow a monthly budget. A good financial coach can work with you to create a personalized budget for every month of the year.Emergencies Don't Just Happen to Other PeopleEmergencies can be anything from a flooded house to a medical issue to the loss of a job…and they can happen to anyone, including you. Wealth coaches can help you learn how to save for an emergency and why it’s wise to maintain at least six months savings worth of income just in case the unplanned happens.Invest for the FutureFinancial coaches work with you to learn more about investment possibilities and strategies. They will never push you into third-party products or pick stocks for you – but they can help you learn about diversified investment strategies and vehicles.Identify GoalsA financial expert can help you identify and clarify your financial goals. Where do you want to be in five years, ten years, fifty years? A financial expert and coach can help you get there.Eliminate Those Financial BluesMoney matters – unless you can get completely off the grid, you need it to survive in the world. A financial coach provides financial advice tailored to your needs while helping you learn to be the master of your own money, and helping you eliminate those financial blues.
Financial,Coach,the,Cure,for,B