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Use That Tax Day Stress! PDF Print E-mail
By Melissa Tosetti
 
I hope yesterday was painless for you, but from what I saw posted on Facebook, it was pretty ugly. 
 
You could pour yourself a drink and celebrate the fact that there are 364 days between now and the next Tax Day, or you could use the stress from yesterday to spur you into action to make next year so much easier.
 
Track Your Spending
April 15th is when tracking and categorizing your spending really pays off.  Using programs like Mint.com and Quicken will allow you to easily find out how much you spent on tax deductible items like  your car registration.
 
Set A Date
Did you wait until the last minute to do your taxes... again?  Set an appointment on your electronic calendar for February 1, 2015 that says "Do Taxes".  Include a note reminding you how much this year sucked because you waited until the last minute.  If that isn't enough incentive, be willing to bribe yourself with a reward such as, if you finish by February 7th, you'll take yourself out to dinner.
 
Adjust Your Withholdings 
If yesterday was painful because you had to pay, talk to an accountant to see what adjustments you can make to minimize or negate "the damage" for next year.  Even if you have to pay for one hour of their time, it will be worth it.  But do it now while it can still make a difference.  There are only 8 months left in this tax year!
 
As human beings, we're driven by two things - pain and pleasure.  Take yesterday's pain and use it as a catalyst to make next year, if not pleasurable, then much more tolerable.
 
 
Savvy Shopping for April PDF Print E-mail

One of the aspects of Savvy Shopping is the habit of timing your purchases to coincide with seasonal sales.  During the month of April, there are plenty of opportunities to save on Food, Wardrobe Items and more. 

Food
All things baking will be on sale this week.  It's likely that prices won't be this good again until Thanksgiving.  Depending on how much you bake, it might be worth stocking up.

Ham will be at the best price of the year.  Consider picking up an extra ham and putting it in the freezer.  Last year, I did just that and we enjoyed a beautiful ham dinner and then sandwiches with the leftovers the week after 4th of July. 

You'll also see great prices on some canned items. 

Clothing
According to DealNews,  retailers began stocking spring items in February, so mid-season sales are starting now and you can save 25% - 40%. 

This is one of the best times of the year to purchase dress clothes and shoes for men, women and children. 

Yard and Garden Supplies
By watching the sales ads, you can purchase just about everything you need for your yard at a discount. 

Cleaning Supplies
Spring cleaning items are still at great prices. 
 

 
Farmers Market vs. Grocery Store PDF Print E-mail

The Farmers Market is one of the best sources for fresh produce.  Just be careful not to assume that the fruit and vegetables offered are always the most affordable.  If you're trying to keep a close eye on your food bill, be sure to compare the prices of the Farmers Market to that of your grocery store. 

The easiest way to compare prices is to take the grocery store's sales ad with you to the Market.  You will be able to quickly and easily see who is offering the best prices. 

 
Savvy Travel & Entertainment Webinar PDF Print E-mail

Learn easy ways to find the money for your dream vacation; where to get those great travel deals as well as smart spending tips for dining out, seeing movies, visiting museums and more travel tips.

Tuesday, April 8, 2014
9:00 am PST / 11:00 am CST / 12:00 pm EST
or
3:30 pm PST / 5:30 pm CST / 6:30 pm EST
 
Presented by: Melissa Tosetti
 
Hosted by: Evelyn Dinkins, II, CFP®, CFS®, CRPC®, MSFS®, CAS®, Private Wealth Advisor
& Angela DeLion, CFP®, Financial Advisor
Dinkins, DeLion & Associates, A private wealth advisory practice of Ameriprise Financial Services, Inc.
 
To RSVP email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it .  Space for this event is unlimited.  Please invite your family and friends.
 
There is no cost or obligation.  Melissa Tosetti is not affiliated with Ameriprise financial, Inc.  Brokerage, investment and financial advisory services are made available through Ameriprise Financial Servies, Inc.  Member FINRA and SIPC.
 
©2013 Ameriprise Financial, Inc. All rights reserved.
 
 
Shop Your Bathroom PDF Print E-mail

Tired of the cosmetics in your makeup bag? 

Before heading to the drugstore or department store, check your makeup drawer and look for loved, but forgotten items.

You can do the same for shampoo and conditioners.  When you find that you're not getting the same results from your favorite hair products, swap them out for something else you already have on hand.

 
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