12 Steps to Financial Wellness - Step 11: Start Investing

12 Steps to Financial Wellness - Step 11: Start Investing

With your retirement funds up and running, you’re ready to give your money its best chance at growth through your choice of investment options.

The world of investing can be vast and confusing, especially to a first timer. There are so many decisions to make, and each one carries with it the risk of loss,

12 Steps to Financial Wellness - Step 10: Plan for Retirement

12 Steps to Financial Wellness - Step 10: Plan for Retirement

Now that you’ve learned how to indulge responsibly and are mindful of your credit score, it’s time to start planning for retirement. This is true no matter your stage of life.

It’s never too early – or too late – to start planning for your retirement. However, like all long-term savings goals,

12 Steps to Financial Wellness - Step 9: Build and Maintain an Excellent Credit Score

Step 9: Build and Maintain an Excellent Credit Score

Your credit score is a crucial part of your financial health. The three little numbers measure the capacity of your credit, the proficiency of your money management and your fiscal responsibility. An excellent credit score can open the door to large loans with better interest rates, as well as employment opportunities and

12 Steps to Financial Wellness - Step 8: Know When and How to Indulge

Step 8: Know When and How to Indulge

Now that you know how to spend mindfully, pay it forward, and regularly set aside money for savings, you’re ready to learn how to indulge in the occasional expensive treat–responsibly.

Many people equate financial health with a life of deprivation, but this is far from the truth. In fact, living a life of true financial wellness means being happy

12 Steps to Financial Wellness - Step 7: How to Pay Yourself First

12 Steps to Financial Wellness - Step 7: How to Pay Yourself First

Now that you’re managing your money well and you’ve even learned to share the gifts you’ve been given, it’s time to start perfecting the art of saving.

“Pay yourself first” is a catchphrase that means prioritizing your personal savings above other expenses. Savings should not be an

12 Steps to Financial Wellness - Step 6: Pay It Forward

12 Steps to Financial Wellness - Step 6: Pay It Forward

Now that you’ve started paying down debt, you and your partner have tackled big money issues, and you’ve mastered the art of spending mindfully, you’re now ready to think beyond your own needs by learning how to pay it forward.

Money management can sometimes feel inherently selfish. You’re earning, budgeting,

12 Steps to Financial Wellness-Step 5: Practice Mindful Spending

12 Steps to Financial Wellness-Step 5: Practice Mindful Spending

Creating a budget and deciding to stick to it is easy; it’s actually carrying through on your plan that’s the hard part. For too many people, financial responsibility ends at having good intentions and real life gets in the way of all well-laid plans. A large part of the discrepancy between what

12 Steps to Financial Wellness-Step 4: Have the Money Talk with Your Partner

12 Steps to Financial Wellness-Step 4: Have the Money Talk with Your Partner

You’ve tracked your spending, created a budget, worked on ridding yourself of debt, and are well on your way to a financially secure life. Now you’re ready for step four, in which you’ll have the money talk with your partner.

Talking finances with your partner may not be

12 Steps to Financial Wellness - Step 3: Pay Down Debt

Step 3: Pay Down Debt

You’ve tracked your spending, designed a budget for your monthly expenses, and you’re well on your way to financial wellness. In this next step, you’ll create a plan

12 Steps to Financial Wellness - Step 2: Creating a Budget

Step 2: Creating a Budget

Are you ready to join us on a journey toward financial wellness? Each month, Diamond Valley will focus on one step of a journey of financial wellness. We’ll tackle the topic in detail and help you learn all you need to know about this step. Follow along, and at the end of the year, you’ll have mastered the tools for a life of financial wellness.


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