Financial Fitness: How To Stay On Track

Financial-Fitness

Keeping your finances on track isn’t always easy, especially if you have a family or past debts such as student loans. It can be difficult to make sure your money is going to the right places every month; many families have to make tough decisions about whether they can spend money on entertainment or pay the bills on time, while others owe so much to credit card companies that they can barely stay afloat.

Staying financially fit is a hard job made even more difficult by the fact that the cost of living doesn’t always line up with our salaries. Thinking about planning for your kids’ futures–and for your own retirement–can be incredibly stressful, and can even lead to depression. Learning how to stay on track when it comes to how much you’re spending and saving can be really beneficial in so many ways; keep reading for some great tips on how to get started.

 

List your debts

You probably have a good idea of where your debt lies; for many people, it’s mostly credit cards and student loans. However, you may be surprised after listing each debt and the amount owed on a piece of paper. Having a general idea of your finances and seeing them in front of you are two very different things, and it’s important to have a good handle on everything you owe, from department store credit cards to medical bills.

 

Create a budget

Creating a budget is always a little harder than it sounds, especially if you have a large family. The best way to get started is to look at your monthly expenditures first; go through your checking account and look for recurring charges. Add up everything you spend in a month and compare it to your income, then look for ways you can save money on each of those items. Gas, for instance, can be a huge expense if you live far away from work or have to shuttle the kids to and from school and activities. Carpooling, using public transportation, and riding a bike are all great ways to save money there (and they are much better for the environment). If you enjoy eating out often, cut back by taking your lunch to work or school, and maybe save one night a week for a dinner splurge.

 

Set a goal

It can be really easy to keep spending the way you have been if you don’t have a goal set. What is the most important financial goal for you? If it’s saving for your child’s college fund or buying a new house, start a savings account specifically with that in mind. Be realistic when setting your goal, and look at your budget to see how much you can sock away each payday without it affecting you negatively for the month.

 

Look at life insurance

No one wants to imagine that one day they won’t be with their families, but making sure you have a great life insurance policy can factor into your financial wellness and sustain your loved ones even after you’re gone. Not only that, you can sell it to help pay for your retirement down the road if that becomes necessary and if your life insurance policy is no longer beneficial to you or your loved ones.

Staying on track financially takes some work, but there are ways to do it without creating stress and heartache for you and your family. A good plan can go a long way, so talk to a financial advisor to figure out the best ways to save and make responsible decisions.

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Defending Against Home Invasion and the Importance of a Reliable Fence

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Home invasions are violent, horrific crimes that are perpetrated with surprising regularity in the United States. A homeowner must be proactive when it comes to protecting against a home invasion.

You need to keep in mind that a home invasion occurs in all types of neighborhoods. There truly is not type of neighborhood that is immune from home invasions.

One strategy you can employ as part of a comprehensive security plan at your home is to add a fence around your property. This includes not only the more commonplace fence around the back yard, but a fence that extends around the premises and includes side and front yards as well.

 

Startling Statistics Regarding Home Invasions

Before a discussion about the specifics of a security fence at your residence is undertaking, a consideration of statistics about home invasions is important. These stats will undoubtedly shock you. However, they should also serve as a call to arms when it comes to boosting the security of your home.

If you are like most people, you undoubtedly believe that nearly all assaults occur in locations like hardscrabble neighborhoods or pubs and taverns. The shocking reality is that 38 percent of all assaults reported to law enforcement are the result of home invasions. What’s even more alarming is that 60 percent of all rapes in the United States are the result of home invasions.

In the grand scheme of thinks, 20 percent of all people in the United States will be the victims of home invasion at some juncture in their lifetimes. In other words, one in five people will be the targets of a home invader.

 

Home Invaders Response to Any Type of Security System

There is light at the end of the proverbial tunnel when it comes to home invasions. 60 percent of criminals involved in home invasions have stated that they would never even consider attempting a crime at a residence that demonstrated the presence of any type of security system. In many ways, nothing more clearly demonstrates a commitment to home security than the presence of a fence surrounding the perimeter of a residence.

 

A Bit More than a Picket Fence

You do not need to turn your residence into a fortified encampment in order to properly protect your family from a home invasion. On the other hand, a petite picket fence will not do the trick either.

You need to come up with a solid fence, measuring about seven feet tall, that fully encompasses all sides of your home. This includes the front, back, and both sides.

 

Gates Along the Fence

No matter how convenient multiple gates within a fence intended for home security may be, you are wise to limit the access ways into your property to one gate. Because of the need to take your car or cars in and out of your property, the gate logically would be on situated at the end of your home’s driveway.

With this placement in mind, there are some additional facts that you will want to bear in mind when it comes to the gate at the end of the driveway, you will want to consider seriously installing one that opens electronically. By installing a gate of this type, you minimize your exposure to the criminal element because you never need to leave the safety of your vehicle to open the gate.

In addition to being able to remotely open the gate onto your property, you will want to install cameras on the fence, including at the gate. By installing a camera or cameras in this manner, you are able to ascertain who is calling. If you confirm that the person at the gate is someone you welcome to your home, you can activate the gate and let that person in from the comfort of your own home.

 

Adding Value to Your Home

In this day and age, nearly anyone looking to buy a home is going to consider the security of the premises. A person house hunting is going to find a residence that comes complete with a decent fence around the perimeter a plus.

A house hunter is likely to have at least some understand about how a fence encompassing the premises makes a residence less appealing to the criminal element. If they are not well versed in this reality, you will be able to make this reality a selling point. There is plenty of credible data that supports the fact that an all encompassing fence significantly enhanced the security of a home.

 

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Jessica Kane is a writer for Viking Fence, the number on fence rental company in Houston.