News from KSEE:

By KSEE Sales

January 25, 2013 Updated Jan 25, 2013 at 12:11 PM PST

Speaking of money, you’re probably looking at your credit card bill wondering how you’re going to pay off all those Christmas gifts you charged. According to a recent study, 23-percent of Americans spent more than they earned last year and the holidays didn’t help. The same study also found that 37 percent of Americans are not saving for an emergency fund and this can lead to financial disaster.


Melissa Tosett, a Fresno native and author of Living the Savvy Life help us understand the importance of making and keeping financial resolutions. Her magazine solely to help people with their finances. Here are some tips:

-set an achievable goa…………… continues on KSEE

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10 Tips for Getting the Most Out of College Financial Aid
News from TIME:

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Financing a college education is something that parents of both toddlers and high school seniors have to be concerned about. With the sticker price of the nation’s top private universities now topping $ 200,000 for four years, financial aid has become a critical component in making higher education a possibility for most families.

The Free Application for Federal Student Aid, aka FAFSA, the document that colleges around the country use to determine the amount of financial aid to award to students, was released on January 1. Some schools have FAFSA deadlines as early as mid-February, so now is the time for families with college-bound kids to get their financial documents together and prepare to apply. And for families with younger children, learning about the FAFSA and financial aid formulas in advance is smart because there are some things you can do long in advance to improve your financial aid award when the time comes. TIME talked to several financial aid experts who offered some useful tips for ensuring that families get the most lucrative aid package possible.

1. File Early

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Financial Planning Demystified

Plan for a bright financial future Planning for your kids’ college tuition and your own retirement is a lot more difficult today than it was for your parents. Self-directed retirement accounts like 401(k)s and IRAs as well as tax-deferred college savings plans require you to make your own savings and investment decisions. That’s why you need Financial Planning Demystified. Written by Paul Lim, Chief Financial Correspondent for U.S. News & World Report, this book begins by focusing on assets and liabilities and discusses ways to save money, avoid debt, and maintain good credit. Then, you’ll get a thorough overview of different types of investments, such as stocks, bonds, mutual funds, real estate investments, and more. Finally, you’ll find easy-to-follow advice on how to organize and protect your financial accounts. This quick and easy guide features: Checklists and questionnaires to help you planProven advice from a financial expertHelpful charts and tablesA quiz at the end of each chapter to reinforce learning and pinpoint weaknessesA final exam at the end of the bookNo unnecessary technical jargon Packed with clear explanations and priceless tips from a pro, Financial Planning Demystified is your shortcut to planning for a lifetime of income.
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