Reasons Retirees Can End Up Broke During Retirement

People need to prepare when it comes to retirement. That way, when they do retire, they have saved up a considerable amount to allow them to enjoy a comfortable retirement. But even until then, there are certain risks that can affect how a retiree eventually fares at this point in life. There is that risk that the retiree can go broke and dry up the cash reserves and savings. There are many reasons for this. Here a

Posted by Ardent Editor on Mar 17 2017 in Financial Planning


Desperate Retirement Measures For The Unprepared

Retirement is an inevitable period in most people’s lives. And people may have different feelings when it comes to it. It all depends on how people prepare for it. For those who have prepared, they welcome this period as a time of relaxation and settling down. For the unprepared, retirement is viewed as a concern. And for people who are fast approaching retirement age and may have not prepared, it may be desp

Posted by Ardent Editor on Oct 11 2016 in Financial Planning Tags: ,


Ways To Earning Passive Income In Retirement

Retirement can mean differently for different people. For the well-prepared, retirement is a period for enjoying life more. The same thing cannot be said for the unprepared. As long as you are still years off of retirement, it is still possible to save up what you can to at least build up a fund that will keep you buoyed up once you get to that point in your life. There are also many different ways you can go about

Posted by Ardent Editor on Sep 20 2016 in Financial Planning Tags: , , ,


Getting Out Of Your Debt Burden

It is okay for people to acquire debt, as long as there is a purpose and objective for it. What can be a problem is getting into too much debt that you can afford to have. Bearing the weight of too much debt  can be very stressful and even damaging. Getting into debt is easy but very difficult to get out of. People nowadays dependent on credit cards can easily get themselves into that deep hole of debt if they are

Posted by Ardent Editor on Sep 1 2016 in Financial Planning Tags: , ,


Irregular Income Budgeting Tips

Work that comes with an irregular income can be quite a challenge to maintain. During some days, money may be good while on other days it may not be enough. Striking up a balance between the income and expenses can be quite a juggling act. But if you know how to save up and plan your spending, it should not always be that difficult. Here are some added tips to help you budget your money, especially if you do not ha

Posted by Ardent Editor on Aug 30 2016 in Financial Planning Tags: , , ,


Choosing a Financial Adviser

Some people find it very difficult to manage their financial resources. This problem is not just limited to the wealthy. Many from the working class may also have problems trying to make their hard-earned money work for them. If they do not find a way to manage their wealth, then it can easily lead to financial ruin and steep losses. One way to address this problem is by seeking the help of a good financial adviser

Posted by Ardent Editor on Aug 3 2016 in Financial Planning Tags: , ,


Common Retirement Saving Mistakes

When it comes to building up a retirement fund, people will need to save a considerable amount for a long period of time. The earlier people start saving, the better the chances they have of reaching their retirement fund goals. Soon they will have to do more than just saving. They also need to avoid the common retirement saving mistakes most people make. Here are just some of them. Not Taking Advantage Of A Retire

Posted by Ardent Editor on May 25 2016 in Financial Planning Tags: , , ,


Downsizing Costs To Consider During Retirement

During retirement, there are certain changes that people need to consider. One of them is the subject of downsizing. People usually look towards downsizing their lifestyle when they retire. One common example includes moving into a smaller home. Although downsizing can mean lower living expenses, there are also initial costs to consider. Here are some of the five common costs associated with downsizing during retir

Posted by Ardent Editor on Apr 30 2016 in Financial Planning Tags: , , ,


Improving Your Budget Plan 

A budget helps guide you on how to spend your hard-earned income in the most efficient way possible. It helps you to learn about and practice control over how you spend your money. Do not just rely on the first budget plan that you create. Over time, you can improve and modify it to keep it updated based on your current situation. Here are some tips that will help you further improve your budget planning. Know wh

Posted by Ardent Editor on Apr 26 2016 in Financial Planning Tags: , ,


Tips On Paying Your Credit Card Debt

One of the best ways of ensure that you make the most use of your hard-earned money is by reducing credit card debt. Many people have been heavily dependent on credit cards for making purchases. The convenience it provides makes more people use it more and more. But sometimes, they can overdo it and accumulate credit card debt which usually comes with high interest rates. Before your credit card debt gets too big t

Posted by Ardent Editor on Mar 3 2016 in Financial Planning, Money 101 Tags: ,


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