Posts by Carl Lander

As 2019 is coming to a close, don’t let holiday spending dampen your holiday spirit or put you further in the hole for 2020.  Here are 5 things you can do right now to end 2019 on a positive financial note and create momentum for 2020. Create your monthly budget.  Everyone needs a monthly budget…

Do you know how employees’ financial stress affects your bottom line?  It’s more than you think. Many employees under financial stress spend time at work dealing with their personal finances and it impacts their productivity.  A whopping 81% of employees say they have financial stress and of those, 46% of employees distracted by their finances spend…

Millennials are facing greater financial wellness challenges compared to other generations.  Millennials financial challenges are not only from higher student loan debt, but also from carrying credit card balances and having enough money to pay their monthly expenses.  They are looking to their employers for solutions.  This presents companies with an opportunity to improve the…

A lot of people are starting to think of summer vacations.  After all, it’s the middle of May and vacation season is starting to heat up with college graduations already started, high school graduations coming soon, and the unofficial start of summer, Memorial Day, is less than two weeks away. Don’t let summer vacations break…

With spring just around the corner, March 20th, 2019, “spring cleaning” is on many people’s minds.  Spring cleaning can apply to more than just cleaning around your home. It can be applied to your personal finances as well.  Here are 5 tips for spring cleaning your personal finances. Create/review your budget.  If you don’t have…

3 Bite-Size Tips to Stick with New Year’s Financial Resolutions 1.Create a Spending Plan 2.Stop Using Credit Cards!! 3.Build a Beginner Emergency Fund   Create a Spending Plan When creating a spending plan, the biggest obstacle is making up your mind to making a change and sticking to it.  A lot of people think it…

According to the American Psychological Association, 87% of employees say money is the most common source of stress. Additionally, research shows that employees are stressed about their personal finances across all income levels and generations. What is the biggest cause of this financial stress? 54% of Millennials, 48% of Gen X, and 38% of Baby…

Worries about personal finances are on the rise.  A recent bankrate.com survey found only 41% of adults would pay for an unexpected cost from savings, a 4% increase from last year. Additionally, a MetLife study found 69% of employers said financial stress contributes to health costs at their company.  Employees feeling financial stress are more likely to call in…