How to Plan for Your Financial Future

How to Plan for Your Financial Future

It's never to late to start.

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One of the best things you can do for your life is to be financially stable. You don't have to be a celebrity, a high-earning influencer or royalty to live a lavish lifestyle when you're older.

It's all about working towards it. The hard work you put into your financial future will be worth it in the end. Here are some ways you can start today.

Make Your Saving Goals Realistic

That house on the corner that comes with a huge infinity pool and marble countertops? Most likely, it's expensive. Like celebrity-status expensive.

However, that doesn't mean it isn't achievable. For saving goals, make sure they're realistic.

Getting that fancy, state-of-the-art dream home won't be grasped in two years. Thinking realistically, five years is a good measurement instead.

You want to give yourself plenty of time to save up accordingly. Instead of giving yourself a headache by trying to figure out the math, it's easier if you break down into increments. To start with, figure out how much you would need to save every month and go from there.

Reduce Expenses

Sure, that cup of coffee from Starbucks every morning is what you need to get the day started but that $8 each time starts to add up. Rather than shell out nearly $10 for a cup of coffee you can make at home, invest in a coffee-making machine.

It's a one-time price and you can buy ground coffee for half the price of a venti latte every day. As for other expenses, see what else can either be axed completely or reduced significantly.

When it comes to a gym membership, think about how much time you can really dedicate to working out. If your work schedule has you busy then maybe it's a good idea to cancel that membership. Instead, start working out from home.

Pay Off Credit Cards

Whether you have one or ten cards, they need to be tended to. And why not?

Think about it: paying off credit cards is one of the best things you can do for your financial future. When you pay that debt off, that money becomes available right then and it goes towards improving your credit.

If possible, see how many bills you can put on your credit cards. That'll allow you to focus on what's important (like paying necessary bills) while improving your credit score at the same time. Doing that doesn't allow for much room to put unnecessary expenses on your cards.

Borrow Money to Invest It

It can be pretty tempting to go to a loan agency to pay for that new handbag or new car rims. Instead of borrowing money for lifestyle gains, use it to invest.

What's one good way to invest borrowed money? Stocks!

The stock market is constantly changing which can make it risky but can also pay off big. You want to be a wise investor so be sure to read this article when it comes to the debate on whether to invest in Kellogg stock or General Mills. The answer will surprise you.

The future may seem far away now but focusing on it today will better help you financially later in life.

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The Burning Of Notre Dame Has Actually Strengthened My Catholic Faith

Corinthians 5:17 says, "Old things have passed away; behold, all things have become new."

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Every year, Palm Sunday is the start of Holy Week in the Christian faith. As the most sacred time of the year, those who believe Jesus died on the cross for our sins hold these days dear in our hearts. 2019's Palm Sunday, however, is now held in infamy. The very next day, the precious Notre Dame Cathedral in Paris started to burn.

As the world now knows, the famed and historic Notre-Dame de Paris was spontaneously engulfed in flames on April 15, 2019. The cause has not yet been identified precisely but is most likely due to complications during the $6.8 million renovations the cathedral is currently under. Completed back in 1345, the nearly 800-year-old church has withstood the test of time relatively well.

Until now.

The modern world watched as one of the biggest treasures of the past burned away before our eyes, Twitter even erupted in an unprecedented coverage of this world-wide tragedy as many took to social media to pour their condolences and share memories of this French icon. Religion, race and personal beliefs aside, the world collectively grieved and lent support.

While this is truly a loss on a global scale, the blow comes as a particularly harsh one to the Catholic community after a particularly difficult season of Lent. From the Pope addressing allegations of sexual assault, to backlash over the controversial theatrical release of the film "Unplanned", this latest development seemed like a cruel joke in the days leading up to Easter Sunday. I myself felt affected by this fire hundred of thousand miles away in North Carolina. One of our most beloved holy churches was ebbing away in front of us and all God could do was watch.

However, despite all that, we must look forward.

Despite much of the church being reduced to ash, some of the priceless artifacts and objects that were hidden away in the cathedral have been able to survive the ordeal; such as the crown of thorns, numerous pieces of art, the rose windows, the altar cross shown above and the iconic bells of Notre Dame. Once news of this broke out, I was strengthed to my core knowing God was indeed there.

It seems like such an oxymoron to see such a tragedy as a sign of hope, yet the Bible itself is full of those. The 7 plagues that tormented Eygpt, the Great Flood, and even the death of Christ as examples.

As children of Christ, we are told at a very young age to never question his plan. He is all knowing and has a way of making everything fall into place. God sensed that Catholics were in the midst of a troubling time and brought us this opportunity of a new beginning. The burning taking place during Holy Week can also be taken as perfect timing.

The whole premise of this week revolves around the death of Jesus at the hands of Pontius Pilate, yet miraculously returned three days later before joining Our Father in Heaven, the cathedral can very well do the same and return better than before.

It is a devastating loss but already we are seeing evidence of joyous aftermath. As I noted before, people from all walks of life are offering support and condolences to a faith they were scorning just a week prior. Priceless artifacts have miraculously been recovered and plans for rebuilding have already started. This is a sign of a new beginning, that God is backing us through it all.

Do not question His plan, just have faith. The rest will fall into place.

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HVAC Problems You May Encounter

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How do you know if your HVAC system has an issue? Check out the problem you might encounter with your HVAC below!

Clogged Filter

Not feeling good air flow? It might be because your filter is clogged.

One that's dirty doesn't allow the air to flow through efficiently. When this happens, it needs to be replaced.

Noise

Noises coming from the HVAC system means there's a problem. Rattling, clanking or banging indicates you'll need to get in contact with an HVAC company.

They'll be able to pinpoint the issue to ensure your system gets back to working normally.

Power Issues

Just because you're having power issues doesn't mean it's an expensive or hard fix. Access the following:

Is the power turned on and is it plugged in?

Does the circuit breaker have to be reset?

Does your thermostat need new batteries?

Answering these questions can ensure you find the problem quickly.

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