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ACap Asset Management
Protecting Your Financial Health
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Fee-Only Financial Planning and Investment Services
For health care professionals, business owners, and individuals
Get a pulse on your financial position

30 Financial Tips in 30 Days

April was Financial Literacy Month; below is a complete list of the 30 financial tips to keep you fiscally healthy we posted each day in April!

Tip 1: The year is not over on December 31st. You have until April 15th of the following year to contribute to your Roth, Traditional, or SEP IRAs

Tip 2: Install and use #Quicken, #Mint.com, or some other income/expense tracking software

Tip 3: Got a big tax refund? Adjust your W-4 to reduce your payroll deductions

Tip 4: Maximize your 401k, 457b, or 403b

Tip 5: Pay off your credit cards each month

Tip 6: Setup and contribute to a #Roth IRA

Tip 7: Track your expenses to see where you spend money

Tip 8: Put your savings on auto-pilot by diverting a portion of each paycheck into a savings account

Tip 9: Brew your coffee at home

Tip 10: Ditch credit cards with an annual fee

Tip 11: Increase your insurance deductible to reduce your monthly premiums

Tip 12: Round up your mortgage payment to the next dollar to shorten the life of your loan

Tip 13: Balance your checkbook to avoid overdraft fees

Tip 14: Pack your lunch

Tip 15: Avoid ATM fees by staying in your banking network

Tip 16: Drive slower to save on gas

Tip 17: Make a plan to aggressively pay down your credit card debt

Tip 18: Eat one less meal out a month

Tip 19: Turn off unused lights in your house to lower your electric bill

Tip 20: Take fewer trips to the dry cleaner

Tip 21: Walk to the market to save gas

Tip 22: Reduce your taxes by donating old clothes and unused items

Tip 23: Lower your thermostat to lower your gas bill

Tip 24: Take the bus or train to work

Tip 25: Buy generic

Tip 26: Drink less alcohol

Tip 27: Install low-flow toilets and showers in your home

Tip 28: Unplug your unused electronics as they continue to use energy even when not in use

Tip 29: Never borrow from your 401k

Tip 30: Count your pennies and the dollars will take care of themselves.

Have a financial question? Contact me at aoghoorian@acapam.com or 818-272-8511 for a consultation.

Ara Oghoorian, CFA, CFP® is the president and founder of ACap Asset Management, Inc., a “Fee-Only” investment management firm located in Los Angeles, CA specializing in helping doctors and physicians make sound financial decisions. Visit us at www.acapam.com