A Simple Path to Financial Stability, the 50/30/20 Rule
Managing money can feel overwhelming, but it doesn’t have to be. One of the most effective and easy-to-follow budgeting methods is the 50/30/20 rule.
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GET STARTED NOWSetting goals is a foundation for building greater self-determination. When we set goals for those things in our lives that are most important to us - family, community, and friends - they provide direction for how to use our energy and resources, including our money. And because goals are often based on values, we’ll use a tool today to help us reflect on those things that are most important to us. The things we work on today (in this class) can help us discuss the importance of goal setting with our families or members of our community and provide tools to help demonstrate the value and process of setting goals.
The information we’ll cover also provides tools to help you discuss and think about planning for life events. Life events are circumstances that many people experience over the course of our lifetime. Some examples are finding our first job, graduating from high school and possibly entering a job training program or college, buying a home, getting married, having children, dealing with the death of a family member, and retiring from work. We are not telling you what should be considered important parts of life, these are examples. We all bring our own experiences and set of values to our finances.
Setting Financial Goals and Creating a Budget Workbook Ready for the Review!
Browse our recent blog articles and you will see and learn about the various ways AFS can help you, as well as educate yourself.
Managing money can feel overwhelming, but it doesn’t have to be. One of the most effective and easy-to-follow budgeting methods is the 50/30/20 rule.
In today’s economic climate, the struggle to balance rising living costs with stagnant wages has led to a concerning trend: the increasing dependence on credit cards and personal loans. Recent data reveals that credit card debt has grown at its fastest rate since 2005.
In today’s fast-paced digital world, the rise of "Buy Now, Pay Later" (BNPL) services like Afterpay, Klarna, and Affirm has transformed how we shop. These services offer an enticing promise: purchase what you want now and pay for it later, typically in small, interest-free installments. It’s no wonder millions of people find BNPL options irresistible. But as with any financial tool, the convenience comes with risks—especially when people juggle multiple BNPL accounts.
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