Friday, November 28, 2014

Give Yourself the Gift of Financial Peace

Thank you Capital One 360 for sponsoring this post. Stay on track with your finances this holiday season with Capital One 360 and deals you can bank on!

While you may have gifts, greetings and get-togethers on the brain, it's important not to lose sight of your financial goals this holiday season and as we enter a new year. Even in all the Black Friday hustle you have the chance to secure your financial future with awesome deals from Capital One 360 before we hit 2015. 


In 2015, we will be starting our path to financial peace. I say starting because it might take more than a year to truly be at peace with our finances but it's starting the path that's the hardest, right? These are the 5 ways we are going to start our path towards financial peace and you can give yourself the gift of financial peace.


//Set a budget 
We started 2014 off with the intentions of having and following a budget. We spent a few hours going over receipts, expenses and bills and thought we had it figured out. It worked for a few months but slowly we got off of that once the warmer months hit. Preparing for expenses that might come up every month is important in a budget.

//Manage Savings Account
We currently have 3 savings accounts. Yes, 3. We have a house savings account, a short term savings account and a children savings account (because we heard they are expensive.) Most of our money goes into our house savings but we like having our emergency fund and securing enough money for children without being stretched too thin. One of my favorite savings accounts is our Capital One 360 Savings Account. We are able to set up an automatic savings plan for it to withdraw money weekly, every other week or monthly. It's gone before we even have the chance to see it in our checking. It also keeps track of your savings goal, whatever amount that is. Your personal cheerleader right in your savings account.

//Set up auto-pay for all bills
 It can be all too easy to let a bill slip by and be issued a late fee. These fees can really add up after the first time it happens. Auto pay allow you the peace of mind to know that these bills will pay themselves. The Capital One 360 Checking account has you covered. They have a great calendar option to set up your auto-pay with bills.

//Have a {Better} Debt plan
Debt. Many have it and are unsure just how they are going to get rid of it. This year we were lucky enough to pay off all credit card debt and pay down a good chunk on student loans. This year we want to have a better plan to pay off at least one student loan, the one with the most interest. It's a great time to assess all the debt you have and how you will pay it off.

//Sign up for Capital One 360 Black Friday Deals
Once the Thanksgiving celebrations are done, be sure to add Capital One 360's Black Friday Sale to your shopping list. Visit http://clvr.li/cap1bfs to give yourself the lasting gift of financial peace of mind by taking advantage of Capital One 360's deals on banking, brokerage and mortgage products.

In addition to taking advantage of deals on banking, brokerage and mortgage products yourself, you can give your friends and family the gift of financial peace of mind by encouraging them to take advantage of the deals and refer them to the sale. If they sign up, you may be eligible for a $40 referral bonus.


Deals:

ProductOfferDetails
ShareBuilderUp to $1,250 bonus (tiered offer)
  • Must be a new ShareBuilder customer
Home Loans$1,250 off closing costs
  • Must sign up for the loan during the sale period
360 Checking$100 bonus
  • Must make a $500 minimum initial deposit and make five transactions
  • Must be new to 360 Checking
360 Savings$100 bonus
  • Must make a $1,000 minimum initial deposit
  • Must be new to 360 Savings
Refer a Friend$40 bonus per successful referral
  • For someone to receive the referral bonus, they must be a current customer
  • Their friend must meet the minimum initial deposit requirements
  • Applies to all accounts


What are your plans to set yourself up for financial peace in 2015?


I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.

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2 comments:

  1. These are great. I have been doing the cash envelope system, and for the most part, have completely stopped using my debit card, which was making it too easy for me to swipe swipe swipe away all my money. The set cash system has allowed me to save SO much more.

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  2. We have actually talked about the cash envelope system but haven't taken that step. I would love to get away from debit so we spend less. I know how much I loved just swiping, it can get out of hand!

    ReplyDelete