Finance Tip of the Quarter

Tax Tip: Keep Your Records Organized


Tax time will be here in the blink of an eye. Many people are very disorganized when it comes to keeping proper records toward the filing of their income taxes. If you don’t keep good records, you’re probably not claiming all your allowable income tax deductions and credits. Create a system now and use it all year. It’s much easier than scrambling to find everything at tax time, only to miss items that might have saved you money.

Sherrian Crumbley
Speaker, Author, Coach
KNS Financial
3 Ways to Get Financially Fit for the New Year
It’s that time again when the end of the year is upon us and we have a chance to reflect on our successes and missteps of the past year. It is also a great opportunity to approach the New Year with a fresh start, unloading the baggage of our mistakes, and committing to work toward goals that will change our lives for the better.

For many people, fitness resolutions are a common purpose to tackle with the turn of the calendar. Many of these same people also make plans to change their financial situations. What isn’t often recognized, though, is that the approach to being successful in both areas is correlated.

Below, we will explore three wellness methods to getting financially fit. By utilizing the same mindset in both areas, it will hopefully help with a singlemindedness of goals and the roadmap taken to achieve them.

No New Temptations – Keep the Bad Stuff Out

I remember watching shows where an exercise guru would visit a client’s home to help them get on track. The first thing they would do is go to the person’s kitchen and clean out the refrigerator and cabinets of all the unhealthy food, leaving only the items that were beneficial towards their goals. The next step was the client’s commitment to only shop for items that fit into the new fitness plan.

In order to change our financial situations, we need to follow a similar process with our expenses. First, take a look at your expenses and see where you are spending your money. A great way to do this is to track your spending for a month. If you use a debit or credit card for all spending, it should be easy to look at the statements online or from a monthly statement that is mailed to you. If you use cash, then it is important to save every receipt.

After itemizing every cent, it is time to identify the things that are unnecessary! When all the areas of wasteful spending are identified, eliminate them from your expenses going forward. Finally, commit to not taking on any new debt. Spending less is the only way to safeguard your financial success throughout the year.

Keep Track of Spending with a Budget

According to USA today, in a nationally representative online survey of 1,024 people, only 12% accurately guessed the amount of calories they should be consuming. As a matter of fact, people often can’t correctly account for the number of calories they are currently consuming! By accurately accounting for what you eat, you are able to be realistic about your dietary decisions and the decisions you want to make in the future.

Likewise, tracking your money allows you to wisely spend and then gives you the freedom to make future financial decisions without delusion. By making a budget , you can also make healthy adjustments to how much you contribute to each category of spending to better suit your goals. For example, if you track your expenses for a month (using our first point) and realize you are spending $200 on eating out, you may adjust that amount to $75 to better reach your financial goals for the year.

There are many online tools available, such as Mint or YNAB, to help you to budget and track your progress. These applications will also email you if you have exceeded a budgeted amount for a category. If you use online banking, you can set up alarms to be notified by email if your balances drop below a certain amount. Utilize these tools to help you on your way to financial success this year!

Build Up Those Monetary Muscles through Savings

When trying to lose weight, diet alone can help someone achieve his/her goal. To meet the goal even quicker, and for optimum health, it is a proven fact that exercise should be added. When the muscles are engaged, it is uncomfortable at first, but over long periods of time they grow and the efforts are finally seen.

Simply cutting back on spending isn’t enough to ensure financial security. It is important to add savings to increase financial health. Saving money is not easy, and does not reap quick and obvious benefits, but the rewards are seen in times of emergency like sudden job loss, expensive health costs, or other financial catastrophes.

Saving enables you to face problems without having to max out credit cards, take out loans from banks, or beg from family and friends. Remember those expenses I recommended you cut from your monthly expenses? Sending that amount to your savings account is a great way to get started saving. Another option is doing a monthly savings challenge where you can see the benefits at the end of the year.

Consistency is Key

Starting something new can be really challenging, especially with a jarring to your usual way of doing things. A year is a long time and a great way to stay motivated is to set mini-goals and have rewards for meeting them. For example, maybe in the beginning of your goal setting, you can build into your budget a category for an inexpensive item to purchase for yourself once you hit each quarterly milestone.

In both fitness and finances, rewards like these are helpful in staying on track. By applying these methods, and being dedicated day by day, you are guaranteed to have a financially fit 2016!

Health Tip of the Quarter

Rules For Living Healthy


Less soda, more water

Less alcohol, more tea

Less sugar, more fruits

Less meat, more vegetables

Less driving, more walking

Less worry, more sleep

Less anger, more laughter

Less words, more action

Ashley Gourdine
Care Specialist
Love The Skin You’re In

Men, Women, Boys, Girls, alike all need a great skin care regiment. Knowing your skin type is very important to assure the best care.
Your skin is considered to be the largest Organ of the Human Body. Your skin acts as a shield against harmful pollutants and chemicals in the air around us, and it guards your most important organs needed to sustain life. Your skin is made up of three layers, Epidermis(the outermost layer) , Keratin (protein layer), and Stratum Corneum ( the layer of dead skin).
Educating yourself about your skin is vital for a more Radiant and Vibrant skin appeal.
There are five skin types. Can you determine which one represents you?
1. Normal (No or Few blemishes)
2. Oily (Enlarged pores, dull or shiny complexion)
3. Dry Skin ( Very small pores, red patches, less elasticity)
4. Sensitive ( Redness, itching ,burning, drying)
5. Combination ( the 4 most common skin types in different areas of the body)
Knowing where you are on the scale of skin, will help you determine the best care for YOU. The good health of your skin largely depends on what you eat… And the hydration your receive… There are some key factors that can contribute to your skin type change over a period of time.  i.e.  Season change (weather), hormonal imbalance, stress and poor eating habits.
Along with your skin, your eyes, nails and hair is a outer correspondence to what’s going on internally with your body. Pay attention to dry eyes, dry/ brittle nails, and dry/ brittle hair. These are organs as well; when they speak, pay attention.  These are most often signs of dehydration. As a friendly reminder when you feel the sensation of thirst, chances are your body is already dehydrated. Water your body from within, and pamper your body, by soaking in a warm to hot bath to promote, clean and healthy skin on the outside.
More fruits and veggies adds up to a 20% healthy intake of H2O.
Here are 8 fruits and Veggies that have a water content of 91% and higher!!!
Cucumbers, Iceburg lettuce, Celery, Radishes, Tomatoes, Green peppers, Cantaloupe and Watermelon.
So love the skin you’re in and the vital organs it protects.

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