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5/6/2025

6 Simple Ways to Keep More of Your Money

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Disclaimer: This post is for educational purposes only—not financial advice. We’re not responsible for any financial decisions you make based on this content. Please talk to a financial advisor for advice tailored to your situation. 

You work hard for your money—so let’s talk about how to hang on to more of it.
These simple tips can help you keep more cash in your pocket and make smarter money moves.

1. Check Your Tax Withholding
If you get a big tax refund every year, you might be giving the government too much out of each paycheck. Updating your W-4 form could help you take home more money now—so you can save, invest, or cover bills throughout the year.

2. Don’t Miss Out on Tax Credits
Tax credits can shrink your tax bill—some even give you money back. Look into ones like the Child Tax Credit, Earned Income Tax Credit, and credits for saving for retirement, education, or making energy upgrades at home. They can add up fast.

3. Cut the Waste
Got subscriptions you don’t use? Paying high interest or random fees? It’s easy to let that stuff slip by. Take a few minutes to review where your money’s going and cut what you don’t need. Even small changes can free up cash.

4. Use Tax-Friendly Accounts
Putting money into things like a 401(k), IRA, or HSA can give you tax perks—like lowering your taxable income or growing your money tax-free. It’s a smart way to save for the future and ease your tax bill today.

5. Save for Emergencies
Start with a $1,000 emergency fund, then build up to cover 3–6 months of basic expenses. Having a cushion means you won’t have to rely on credit cards or dip into your retirement money when life gets messy.

6. Think Twice Before Taking Money Out Early
Pulling money from retirement or health savings accounts before you’re supposed to usually means taxes and penalties. If you need cash in a pinch, try other options first so you’re not hit with extra costs.

I hope that you find these quick tips helpful, we encourage you to leave a comment below. What would you like us to talk about next?

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9/18/2024

3 Ways to Prepare for Corporate Layoff Season

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​And so around this time of the year begins the first round of layoffs for corporate workers. I have unfortunately experienced this on numerous occasions. One year being laid off twice from two separate places of employment. Change is inevitable and companies will do what’s best for the company vs your household, every time. 

It’s important to prepare for change. I grew up in an era where they’d say “If you stay ready, you won’t have to get ready”. As an adult I finally understood what that meant. 

Below are 3 things I did before going down with the ship or hoping in the life boat during the corporate layoff season. 

Store a Nest Egg: There’s no magic trick! I simply put aside additional money; that would hold me for 6 months (at least) until I found another job or contract. I took what it takes for me to live regularly each month multiplied it by six and that became my new SAVINGS GOAL! 

Multiple Streams: We would all love to work just one job and think that the one job should do the trick. But with inflation it’s not likely. I also had a side gig or another job; just in case I needed something else to fall back on. 

Stay in Touch: Although I had landed a perfect job or two; I continued to stay in touch with previous co-workers, job recruiters, and etc. Just in case I needed a referral or a lead on jobs. Keeping communication and good standing professional relationships with individuals could potentially be exactly what you need to help in a job search. 

Systems & Process: When I go into buildings on the wall I notice an emergency exit plan, when I get on planes they share the emergency exit plan. The lesson is to create systems and processes for the emergency exit plan for being laid off. Having a plan in place is important. 
Keeping my resume up to date, getting online recommendations while still employed, having a check list of documents and information needed prior to being laid off, think chess, not checkers!  

In a nutshell, I saved my coins, created a plan B (and maybe a plan C), kept consistent, effective communication and created an emergency exit plan! 

I’m not saying this made things easier; I still had a panic attack or two. But once that subsided, it was nice to know I had a plan in place and was prepared. 

Of course at the end of the day do what works best for you. 

Just remember small changes make a BIG difference!


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11/29/2023

4 Ways to Earn Extra Cash During the Holiday

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4 Ways to Earn Extra Cash During the Holiday

The holidays are vastly approaching; pockets are getting thin and prices are going up. There are a few things you can do to earn extra cash during the holiday. Don’t be unprepared this holiday; don’t let the holiday drain your wallet and bank account. Below are a few things you can do to earn some extra cash. 

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Babysitting 

This is a great way to help out parents and to earn some extra cash. As parents go shopping for gifts or work extra hours themselves you’ll find a heavy need for reliable trustworthy babysitters. Don’t forget holidays and New Years Eve parties are right around the corner; parents want to hang out but often can’t due to a lack of available babysitters. 


House Cleaning & Organizing

Do you enjoy cleaning or organizing? I guarantee you there are people who can’t physically do it, don't have the time or simply just have no desire to and would rather pay others. You could be that other person that they pay to do the things that they don’t want to do. You set the boundaries and price. This generally has a flexible schedule; but being thorough and consistent is key. 


Transportation 

There are plenty of people who have tight schedules and are looking to have someone take their children to school and to pick them up from school. There are also some people who can’t drive and need drivers. You can go through reputable transportation companies (Uber, Lyft, etc.) or you could create your own customer base. 

Personal Assistant  People are busy with little time to do the simple things (pick up dry cleaning, go grocery shopping, prep dinner, etc.) Being a personal assistant is a great way to help out individuals complete their daily tasks (if you enjoy helping others; and getting paid for it). 


Do you have other ideas; we'd love to hear from you!
​Comment below or message us! 

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9/26/2023

Back To School Could Mean Extra Expenses!

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​If you’re a parent or someone who’s going back to school yourself, that could potentially mean more back to school expenses.

Considering school supplies, classroom supplies, field trips, extracurricular activities, extra money spent on gas; after school and before school care, homecoming dances, sports (uniforms, etc.), prom, and curriculum costs (if you’re a homeschooling family). All these little expenses can add up quickly and could catch you by surprise if you aren’t prepared.

Below are a few things you can do to prepare for extra expenses your learners may bring this year.

1. Budget
Look at your budget. If you don’t have one don’t worry, the simplest way to get started is to list all daily, weekly, monthly, and yearly expenses (All expenses: gas, hair, nails, etc.) and determine how much is left over after you subtract your expenses from your income.
This will also help you determine ways and areas you can cut back on (even if temporarily).
Having a budget will show you what you have leftover to use for additional things that may come up like an unexpected field trip to the Capital or Shoes for Homecoming.

2. Plan Sit down with your learner and determine what sort of activities they may be interested in this year or semester. It will help you get an idea of what you can expect to prepare to pay for. Having these conversations as a family at the beginning of each semester or at the beginning of the school year is suggested. And is a healthy family financial practice. Compare the plan to the budget to determine if that is doable this semester, in upcoming semesters or next year.

3. Prepare Also set aside 10 -15 % additional money aside for the unexpected expenses even after planning. Life happens but you don’t have to be cut off guard.

4. Searching for Substitutes
There are always things you can do to substitute for a lower cost or free option. Searching and vetting local Free After School Programs, or mentorship programs can help your pockets and the children (giving them experience of different social settings). You can also search for other organizations and local businesses that may help with providing prom dressings and suits, shoes, etc.

5. Build a Village This doesn’t mean looking for a bunch of people to help you out, but that is a benefit to building a village. Joining a local parenting group, connecting with other families, family members, friends etc. that can help you transition your family into the school semester(s) always helps. The best thing to do is look for ways to barter. If you’re great at cooking, or braiding hair maybe consider providing those services for someone who could perhaps watch your children after school or before school.
 
  
We hope that these tips helped, and hopefully reminded you of some things that you could implement. Please feel free to leave your feedback or let us know if this article is helpful. 

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3/6/2023

3 Ways to Prepare for a Recession

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3 Ways to Prepare for a Recession…

We’ve heard the word buzzing around! “A recession is coming; a recession is coming “or some would say that we’re already in one. We wanted to give you some practical tips on things you can do to prepare for this recession. Having a financial plan on how to handle things (even unexpected life events) makes life a little easier. Having a financial plan helps so that you are less likely to make irrational decisions that may be based or guided by emotional responses.  
 
Like Benjamin Franklin stated: “If you fail to plan you plan to fail”.
 
Below are a few ways to help you guide your emotions and manage your money!
 
1.Perform awareness or mind care techniques.
This can also help you make better choices with your money. Personally, I’ve dealt with anxiety, so I know that taking the time to do a few breathing exercises, take a walk, or give myself a few minutes of quiet time helps me calm down and regain focus on my spending behavior and money goals. Emotions such as fear can drive people to mismanage their money. This is commonly seen when people are navigating the stock market; when the market is down you notice more people may tend to sell their stocks (usually driven by fear).
 
On a day-to-day basis this could also been seen when a bad storm is being highlighted on the local news station and radio, or when the holidays are approaching. Long lines, bare shelves, huge bills, and empty wallets. Both scenarios drive emotions (fear, doubt, anxiety, etc.) and can affect the way you choose to spend money (Spending Behavior).
 
2.Develop a Plan for your Money or Test drive the plan that you have.
Building a solid financial plan is extremely important; of course, your plan may need to change over time. Planning lets you know where you are currently and gives you a strategy on how to reach your end goal. You can determine how much you need to save to reach your general goals if things shift (life happens).  You also need to factor in… what if you get laid off of your job? How will you pay your general expenses? Focusing on preparing for emergencies, security and growth potential is something you should consider when developing a plan for your money. Remember, a real plan will help you prepare for unexpected expenses, protect what you have and highlight growth possibilities to reach your long-term goals.
 
3.Focus on Spending Less & Earning More.
When you’re trying to save or pay bills, figuring out ways you can spend less is the best choice to find money that’s been hiding in your wallet. We’ve had numerous clients who we’ve found money for just by going through some of their spending habits (finding hundreds of dollars).  
 
Don’t get caught off guard; plan for the unexpected.
We’re here to help you manage your money with individualized plans tailored specifically for you.

Book a money goal coaching session with us today!
Book A Session Here!
 
 
 
 
 
 
 
 
 
 
 
 

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1/30/2023

Side Gig Resources

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Keep in mind LP Consulting & Management are not affiliated with the companies mentioned below.

​All of the companies mentioned below are flexible (Flex- Work), and you’re generally an Independent Contractor (IC). 



Merchandising & Mystery Shopping Gigs

Below are a list of company links you can click that will lead you straight to the website to sign up. Some of these websites offer opportunities to do Mystery Shopping & Merchandising. Remember you have to pay attention to detail, take good notes (discreetly), merchandising is more hands on with the employees, making sure that the product is stocked, and presentable.

Both opportunities are great and are considered 1099/ Independent Contractor opportunities. 

https://jobs.trocglobal.com
 
https://isecretshop.com/register/1263467 https://www.customerimpactinfo.com   https://www.seelevelhx.com/shoppers   https://www.conferoinc.com/shoppers-center  https://www.isecretshop.com/register/1263467
https://refer-us.com/sasr/c/taw5jj22m  https://insta.prestomobilesurveys.com https://www.jrdemosandmerchandising.com/contact https://careers.advantagesolutions.net



Focus Groups/ Mock Trials

https://shifrin-hayworth.com/participants https://cypherresearch.com/home/index.php/panelist-home http://www.candfmarketresearch.com/facility.html https://www.opinionsearchusa.com/get-paid


Paid Surveys

https://www.clearvoicesurveys.com
www.mysotg.com

(Mobile Surveys)

https://googleopinionrewards.page.link/share
https://www.e-rewards.com


Other Opportunities: 

Papa Pal: https://papa.link/LorettaW6452
Fetch Rewards: (Take a Picture of Your Receipts for Points for Gift Cards)https://fetchrewards.onelink.me/vvv3/referraltext?code=2DG4W
NCP: http://onelink.to/swpwgc (REFERRAL CODE: 1D94CF9)
(Scan your items you purchased and take surveys)
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12/13/2021

6 Ideas to Holiday Shop on A Budget

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             Holiday Shopping On A Budget


      It’s the holiday season, some of us are done shopping and some of us aren’t finished at all.

I want to help you shop on a budget, while still offering great gifts without having your pockets crying at the end of the month. People were asking me how I save money during the holiay….so my gift to you will be the 6 Ideas to Holiday Shop on A Budget.

Grab your pen and paper write it down, try it, and let us know…. did it work, what was your experience?
​
Do you have other ideas? We want to know!
 
6 Ideas to Holiday Shop on A Budget:
  1. Do a Secret Santa (one gift instead of several)
  2. Shop on the sales & clearance rack
  3. Stop by the Thrift Store to purchase gifts
  4. Reuse Gift Bags (when someone gives you gifts or boxes- reuse them)
  5. Purchase a collective of small items the person likes (such as: their favorite chips, soda, candy, snacks, books, etc.)
  6. Agree to the 5 Gift Rule: Give them
  • Something they want,
  • Something they need,
  • Something to wear,
  • Something to read,
  • Something to do! 

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7/15/2021

2021 Changes In the Workplace

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As we know it, 2020 brought a lot of change in the way things are done. Which has affected everything to how businesses are run, how you apply and interview for jobs to workforce environments. Keeping you aware of the changes as you prepare to enter into the workforce or re enter into the Job hunt is one of our goals. 

Everyone is Hiring!!!  Now is the time to go after the job you’ve always wanted. Now of course we never promise or guarantee if you do EVERYTHING we say it’ll work. Sometimes the employers decide to go with other candidates….but check out our next article to find out how “WE”VE GOT YOU COVERED”! 

5 Changes in the 2021 Workplace

1. Applying for Jobs online that are mobile friendly (Paper Apps are Dinosaurs) Less Contact. Making sure you have your resume uploaded on your phone is a must! And a professional email address. 

2.  
Interviewing at home (Virtual Interviewing is more popular). Make sure you keep a space in your house prepared just for interviews (and meetings). Neat, professional and quiet. Although most employers are understanding showing that you have a dedicated quiet, clean space is important.
3. 
Working from Home---more zoom….more aware.. We’ve seen this all too often, someone goes to the restroom with their camera on while on a zoom meeting. Or someone may not be appropriately dressed (if at all) while on a zoom meeting. Bottom line, be prepared. Be aware that technology makes mistakes and so do we, stay clothed, and keep cameras out of places that are private spaces.  
4. Working In Person on Rotation. Some jobs simply can’t be worked from home. Keep in mind that washing your hands, changing your clothes immediately returning home, sanitizer, Lysol or  other disinfectant spray will be a must.  If your job is one that requires you to come in, keep in mind that you must still keep your mask on, find things and ways to make working in a more open space more comfortable. For example: bring lunch or eat lunch in your car. Clean your area before sitting in it. 

5.  Virtual Warnings & Termination. We hope this never happens to you BUT if it does Virtual terminations and Warning can get wired. Especially if you have to return the computer or laptop and equipment. Remember to be professional at all times, even if you want to keep the keyboard, mouse, and webcam (LOL). Remember you don’t want to pay for used equipment. Or worse be prosecuted for stolen property.  Virtual Warnings are just that, your boss warning you about either your work performance (lack thereof), attendance or etc. The best way to handle this is to give great eye contact, smile, and show them that you're listening and are willing to change. More importantly make sure when the meeting is over your camera is turned off, your mic is muted and you're in another room before saying “how you really feel”!  
​

We know things have changed, the workplace is now in your home or at a physical location (short staffed). We’re here to help prepare you for those changes to be successful! 


​

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1/20/2021

5 Simple Ways to Save Money in 2021

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      We’ll it’s a new year and that brings about a Newness that is definitely needed after the 2020 we experienced. 

Two things that 2020 taught is to: 
  • Value and spend more time with family. 
  • Prepare our finances for the unexpected. 

                                                                          Family & Finances….

So we wanted to talk about a few ways you and your family could build healthier financial saving habits this year!

  • Spend less
Spending money only on the things that are important and necessary (NEEDS vs WANTS). Spending less will look different for everyone. It may be for you trimming your cable bill or subscription bill. It may be giving yourself an allowance for spending online (or physical shopping), it may simply mean staying home a little more to  prevent you from spending more money (gas, shopping temptations, and etc.). 
 
  • Mind Your Money
Understanding your money, where it’s going and how much is coming in (Budgeting). Let’s face it sometimes the check comes and goes as quickly as we get it. If you need help minding your money we’re here to help with that.
 
  • Cook at  Home
Cooking at home for $2.50pp is cheaper than spending $10-30pp, if you could save $20 per meal that’s possibly $60 a day (if you eat out daily & spend $10 per meal). That could potentially help you save $1,800 a month!  Even if you only tried this for a month or two consider the bills you could pay off, save, or debt you could pay off. 

  • Find A Side Gig
It’s simple to find something you are naturally good at, or something flexible to add to your income. A side gig should be flexible and done in your spare time. It can also be done when your 9-5 is cutting hours…..which is an entirely different conversation…. Do you need help finding a side gig? We can help with that give us a call 585.666.0314

  • Buy Generic 
This may not be ideal for most people, but again remember it’s only temporary. You may have to purchase “Katsup vs Ketchup” for a month or two. You may have to purchase more affordable brands temporarily, take the money you save to catch up on bills, pay debt, or to save. 

Remember these are things that are all temporary but will definitely help you save and prepare you and your family financially for the unexpected. We aren’t claiming or guaranteeing that you’ll be rich, stress free or debt free after doing these things. But we are simply saying that doing these things could potentially help you towards reaching your financial goals! 

Save Money with Our Sponsors below: 

goldmineandcoco.com
10% coupon code: BOSS313

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10/30/2020

Track Your Expenses!

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Has Your Pay Check mastered the Art of The Great Disappearing Act? 
Do you like to many others, get paid on Friday only to wonder how did your check disappear by Monday?
Where has my money gone?

In the Month of November, we're challenging you, many others, and even ourselves to track your expenses.
Let's find out where your money is going and what we need to do to get some of it back! 

There are of course a ton of ways to track your expenses. You can do it the good ole fashion way by getting pen and paper and writing down how much your spend and what you spend it on.  For example: $20 on Gas, or $40 on Take Out (food).
Or you could use your phone if you want to go paperless. Most phones have "Notepads" or Memo Pads for you to use to jot down notes. This is a great way to utilize the many apps pre installed on our phones. 

Or you could look into different apps and companies that offer often Free Expense Tracking Software. 
Check out these companies below: 
​
ExpensePoint

TripActions
    
TravelBank
   
Ramp

Rydoo
  
Certify Expense
 
Webexpenses
  
Sage Intacct
    
Chrome River Expense

Divvy
 
Check out these and let us know which one works best for you! Also at the end of 30 days let us know what did you spend most of your money on? What does the Bulk of your paycheck go towards? 

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    ​Providing practical financial tips for everyday living. 

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