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  • American Consumer is Saving Less | Complete Controller

    American Consumer is Saving Less

    “The definition of madness is to do the same thing over and over again, hoping to obtain different results.” 

    – Author unknown

    According to the Wall Street Journal, US consumer savings has reached a level not seen 12 years ago. The article shares two critical reasons: the rise in prices (inflation) and the optimism that consumers have that the economy is improving and will provide higher incomes in the future. Download A Free Financial Toolkit

    Then, just like recycled novels, we return to the same starting point before the economic crisis. Everything is going so well in our economy and, therefore, macroeconomics that we forget the pillars of a successful financial life:

    • Saving for emergencies.
    • Keeping debts to a minimum.
    • Having financial goals for the future.

    Then, when those financial setbacks and challenges come, we ask ourselves: What do I do if I do not have money? We wrapped ourselves in a vicious cycle of debt, started reading and watching self-improvement videos, and decided to retake action. We repeat it until we forget how difficult it was to go through this crisis. Complete Controller. America’s Bookkeeping Experts

    Suppose you are going through financial abundance and feel as optimistic as the average consumer in the United States. In that case, we want you to reflect a little and think about your financial goals, the 2008-2009 crisis, and how important it is not to deviate from saving. Now that everything is going so well, it is time to think that nothing lasts forever, and you must have an emergency fund ready to help us when we need it. Remember that you must invest in the future, with retirement funds, investment funds, in your own business, real estate, etc. This abundance is not here to buy the new iPhone, more clothes, or a new car; this abundance is here to help us push our goals and differentiate ourselves from the “bunch” that is the average consumer.

    As you read the article in WSJ or read more good news about the stock market and the profits in mutual funds, remember when everything was not going so well. Also, recognize the scams and programs that promote wealth from one day to another. Do not forget your north; do not forget your goals; do not forget the savings and financial discipline. We all have a little crazy, but in this economic asylum, the sanest is that it triumphs. ADP. Payroll – HR – Benefits

    What Can You Do to Save More?

    Do not waste extra income

    If a person receives extra pay or a bonus and ends up wasting it right away, they will never be able to save. Unless it is because of some need, try to save any extra income that comes to them. Even if a person is in debt, try to keep a small part of saving money for any unforeseen circumstances.

    Look for offers and compare prices

    There can be many differences in the price of the same product from one supermarket to another, so try to compare to see which one works best for you. Also, look for stores that have the best deals.

    Stop impulse buying

    If someone buys something for an occasion while shielding themselves in the phrase “I’m working for something,” they will probably not need it. If it is not something they need immediately to wait a few days before buying it, they will surely see more clearly if they need it or if it is an unnecessary expense.

    All in All

    You may not know what the future holds, and you may not know anything about unforeseen circumstances, making it essential for everyone to stay prepared. Be ready for the worst by following these tips; you will never struggle financially. LastPass – Family or Org Password Vault About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity. Cubicle to Cloud virtual business