If you香蕉视频直播檙e like most people, saving and investing can be overwhelming. There are so many different options and decisions to make, it can seem easier to worry about it tomorrow and enjoy your extra hot grande caramel macchiato in peace, right? However, if you want to enjoy that macchiato 30 years from now, you want to keep reading!
First, take a deep breath. Saving is not nearly as scary as that spider lurking in your garage. According to Shaun Ludwar, Investment Advisor at Prospera Credit Union, it香蕉视频直播檚 easy to get started. 香蕉视频直播淭he most important question to ask yourself is what you香蕉视频直播檙e saving for,香蕉视频直播 says Ludwar. 香蕉视频直播淲hether it香蕉视频直播檚 a new car, a trip or retirement, knowing what you香蕉视频直播檙e saving for is the first step to setting your goals.香蕉视频直播
Ludwar recommends setting SMART goals to help you develop a personalised plan. SMART stands for specific, measurable, achievable, realistic and timely. If this seems daunting, an advisor like Ludwar can help you set SMART goals, and then work with you on how to achieve them.
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What if you already know what your goals are, but you香蕉视频直播檙e living paycheque to paycheque? Ludwar suggests starting with everyone香蕉视频直播檚 favourite word香蕉视频直播 budgeting. It may seem time consuming, overwhelming, or like something your grandparents did, but it香蕉视频直播檚 quite simple once you get started. Knowing how much money is coming in versus how much is going out can be a real eye-opener. It can help clarify your basic needs and make sure they are met, while uncovering ways to tuck money aside each month.
You don香蕉视频直播檛 need to figure it all out on your own, either. Financial Planners like Ludwar have the expertise to help you develop goals and set a plan to achieve them. Think of it like having someone in your corner every step of the way to help you reach your financial dreams.
Speak with a Prospera advisor today to keep enjoying that macchiato!
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A credit union serving British Columbia for 75 years, is proud to serve its 63,000 members from locations in the Lower Mainland, Fraser Valley and Okanagan.