You know the January bills are going to be arriving any minute

Author Terry Savage Discusses Financial New Canada Goose Jackets Year’s Resolutions

canada goose clearance sale DARYN KAGAN: Amid all the partying and hoopla, there has been a canada goose outlet online serious side of the end of the year, and this week we’ve been bringing you some advice on year end financial planning. The focus today: Let’s get organized.

Canada Goose sale TERRY SAVAGE, «CHICAGO SUN TIMES»: Good morning, Daryn.

KAGAN: The truth is here if you aren’t organized, cheap canada goose uk probably things money wise won’t go that well for you in the new year.

cheap Canada Goose SAVAGE: Here’s the problem, we all make New Year’s resolutions, canada goose store financial resolutions especially, and we don’t keep them. They’re much easier to make than keep. So today I have three financial resolutions, and I’m going to show you how to keep them.

buy canada goose jacket cheap s KAGAN: You’re going to take our hand, kicking and screaming, and drag us to the computer.

canada goose black friday sale First, you’d like folks to start banking online why?

SAVAGE: Absolutely, it is easy, canada goose clearance sale it is safe, it is inexpensive. And, Daryn, I don’t know if you’re doing it I have been for almost four years now it is canada goose uk outlet such a great time saver. This is the name of the game for the future: banking online.

And I don’t mean just printing out canada goose uk https://www.radondenvercolorado.com shop your checks on your computer, I mean actually connecting through your bank, through the Internet, to your bank’s web site, giving them instructions, letting them print out the check. And buy canada goose jacket cheap once you’ve tried canada goose clearance it, believe me, you can always still use your paper checks if you need one to take buy canada goose jacket in your wallet, but you will never go back to writing out checks it’s such drudgery.

But let me suggest that you go out now today is a perfect way to do it, you have a long weekend and buy Canada Goose Outlet a copy of either Quicken or Microsoft Canada Goose Online Money. Those are the two big programs. Don’t get intimidated they come in a big box, but there’s just a little disk inside. canada goose black friday sale Turn on your computer: That disk will fit into one of those slots, shove canadian goose jacket it in there you’re installed, you’re loaded up. It will take you online right to your bank, or you can call your bank they’ll make the connection, give you a secure pin number, and you are good to go.

canada goose KAGAN: Well, you uk canada goose outlet say secure a lot of people, I think, aren’t doing it because they’re Canada Goose Coats On Sale afraid that that information is not safe over the Internet.

Canada Goose Parka SAVAGE: It is safe: You have a password to call it up on your computer, a Canada Goose online pin number and I will also cheap Canada Goose tell you canada goose that, in canada goose uk black friday fact, when you get on the phone late at night and pick up a phone and give out your order from a catalog give out your credit card number, name, address and phone number I mean, tell me how secure that is. Banking online’s secure.

Here’s what it will look like we have some videotape from my PBS television show airing around the country, «The Savage Truth»: Here’s your home page; you click on it, you load up your program it’s a demo from Quicken, This is your home page: It shows all your banking accounts, it shows your credit card accounts, everything will be there.

canada goose store Here’s your check register: Boy, is that neat and organized. It’ll automatically subtract for you, and you can print it out. When you write it out here you are printing out a check: You type it in, and then you’re going to give every check a little category.

Canada Goose online So right there some of them are pre made, you make your own categories. And you’ll see what happens after you start sending out your checks: You, all of a sudden, all your information is canada goose coats on sale in a category and one day, you want to see where all your money went: Click, show me a report; that’s where the money went.

canadian goose jacket It is so easy to do. Believe me, I’d take you by the hand. You can do it if I can do it, you can all do. And that’s a great way to start the new year. And you can always print out that check register so you have a paper copy.

Canada Goose Jackets KAGAN: And just simply, if you don’t even want to go out and purchase software, I know I got online this year, and I did do online banking, so you’ll be proud of me. But I did it just by going through my institution.

canada goose coats KAGAN:. and going right on the Internet. All you have to be is have access to Internet use uk canada goose to do that.

canada goose coats on sale SAVAGE: And Canada Goose sale you can go to your bank’s web site and do it. I advise using one of these programs because there’s some wonderful other things they do for you: They help you track your investment, they can do a lot of financial planning and debt management, which brings me to my second New Year’s resolution.

KAGAN: Ah, this is the big one: Pay down the debt. SAVAGE: And a lot people have this: It is called get out of debt. You know the January bills are going to be arriving any minute. Americans have nearly $600 billion outstanding on credit cards. That’s not money that gets paid off every month, it’s what people canada goose factory sale are paying less than the full sometimes only the minimum monthly pavement.

Now, here’s a shocker: If you charge this is right out of «The Savage Truth» on money, first pages you charge $2,000, make minimum monthly payments at, say, 19.8 percent could take you as long as 31 years and two months to pay that off.

canada goose clearance SAVAGE: And along the way, you’ll pay a additional $8,200 in non deductible finance charges. That is being buried in debt, it’s why you know you want to be out of debt so how do you do it?

canada goose deals KAGAN: Now, meanwhile, if you are buried, if you had the overwhelming feeling, there is help out there.

SAVAGE: Well, there is help. Canada Goose Parka First of all, but let me give you one tip.

buy canada goose jacket SAVAGE: If you may only double the minimum monthly payment and never charge nothing else just double that minimum monthly payment you will be out of debt not 31 years, less than canada goose coats 3 years. So if you’re buried, there’s help.