Financial Wellness @ Work

Be Careful Before You Use Groupon

My boss is a big fan of Groupon.For those of you not familiar with Groupon, it falls into a category of online commerce sometimes called “deal-of-the-day” websites. There are several of these out there, including LivingSocial and Woot, and they all pretty much offer deep discounts on a variety of goods and services.  My brother was the first person I actually knew who used Groupon to buy $25 worth of food at a local restaurant for $15.  Knowing how careful my brother is before he tries things, if he’s used it and it worked, then it must be legitimate. Read more

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3 Ways to Save Money Without Depriving Yourself

Did you make a resolution to save more money this year? According to a recent Fidelity study, that was the most common financial resolution, cited by 55% of respondents. It sounds a lot like the financial equivalent of dieting but here are three ways to save money without depriving yourself:   Read more

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All I Wanted For Christmas Was… a Flu Shot?

For years my friends and colleagues have been telling me to get a flu shot at the onset of flu season and for years I’ve been ignoring them, reluctant to do so for fear of somehow reducing my immunity to the virus or worse yet contracting the flu from the shot itself.  Now before you start sending me nasty emails telling me I’m wrong, let me just say that the Center for Disease Control has beat you to it. The truth is our family has been relatively healthy throughout the years, and my wife and I figured that all the hubbub over the flu shot was to create demand for something I really didn’t think most people needed.  In fact, the only reason I received my first flu shot last year was to appease my loving neighbor who insisted I get one prior to flying out for business. Read more

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An Unusual Place to Shop This Time of Year

Merry Christmas Eve everyone!  Twas the night before Christmas, and all through the house, not a creature was stirring…except my wife who found herself making an unexpected, last-minute shopping trip because someone forgot to tell her that they needed formal wear for a Christmas concert the next day. While this may cause the average person to recoil in frustration, read on to see how my wife responded under these less-than-ideal circumstances. What she has to say may just be the little Christmas miracle you’ve been looking for this year. Read more

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Finding Some Extra Jingle, Jingle For the Holidays

As I pulled into the unmanned toll booth on 90W in Chicago recently, I was glad to find I had quite a bit of change in the bottom of my purse since the toll was $1.90 and took coins only.  That got me thinking about all the loose change many people have in their pockets or car cup holders and all the extra coins sitting around in coffee cans, piggy banks, and like in my house – a huge plastic pretzel jar.  The average household has about $58 in loose change based on the typical amount of coins cashed in at Coinstar. Read more

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Out With The Old

As the cold weather settles in for the winter here in the northeast, out come all the wool sweaters and turtlenecks from the back of the closet.  This is also the time of year I do a once over of my wardrobe to prepare for my yearly donation to Goodwill. Now, I don’t have any sweaters that could win in the contest for the ugly Christmas sweater party, but there are a few that I accidentally washed and shrunk that no longer fit. So these shrunken sweaters, along with out-of-fashion cowl neck and peplum tops, need to go. Even the long, flowing waterfall sweaters that I stocked up on last year are no longer fashionable, according to whowhatwear.comRead more

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Which Credit Cards Are the Most Rewarding?

One of my favorite things this time of year is being able to use credit card reward points to cover most or even all of my holiday shopping. While it obviously doesn’t make sense to buy things just to earn rewards (especially if you can’t pay the card off in full), why not get as much as you can from purchases you’re going to make anyway? In deciding which cards to use, there are a few rules of thumb I like to follow: Read more

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10 End-of-Year Tax Tips

Are you worried about paying too much in taxes this year? If you wait until you file next year, it will be too late to do much about it. As the 2014 year winds down, you’ll want to note some simple things you can do to reduce the amount of income tax you owe Uncle Sam this year, while planning for the year to come.  Read more

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Happy Holidays Now and in January

The holiday season is officially here and I can honestly say that it may take me a few days to fully recover from Thanksgiving dinner (and a few rounds of leftovers). Despite spending about 20 hours in a car, it was fun setting some time aside to do nothing but eat, watch football, and express a little gratitude. In our household, the peaceful tradition of starting an Advent calendar on December 1st is usually countered by the hectic activity of trying to coordinate family logistics for the next month.  Read more

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Shave Your Budget, Not Your Moustache

A recent Wells Fargo study found that 31% of survey respondents do not think they will have enough money to “survive” on in retirement, yet more than half say they plan to save later for retirement in order to “make up for not saving enough now.” If we have learned anything from Aesop’s fable regarding the ant and the grasshopper, it’s that waiting until later is NOT a good strategy. This is especially true when it comes to saving for retirement. Read more

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Financial Finesse’s unbiased financial planning blog wins Gold for "Blog of the Year" in the 2014 Best in Biz Awards!

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