• John Caserta

How Millennial's Can Afford Avocados with Doing this One Simple Thing

There has been a lot of blame in the media that Millennial's aren't saving because they are spending all of their money on Avocado toast.  Well, I am here to debunk that stereotype.  It is okay to purchase Avocados or Lattes as long as you have a budget in place. 

Here are my tricks for going about setting up a budget:

-Go one month without using any cash.  Cash is very difficult to keep track of unless you are keeping all of your receipts and who has the time or patients to do that! Instead, use your credit card or debit card to track where your money is going.  Most banks and companies have a software in place that will keep track of what is going out and what is coming in.  Whether you are spending $25 at the gas station and $50 on groceries, you will start to see where your money is going.  

From here, you can backtrack into what your budget should be.  You are able to look at what you are bringing in on a monthly basis while seeing what you are spending your hard earned money on.  This will be able to tell you if you are stopping for too many iced coffees in the morning or if you are on track with your savings and spending ratio. 

There are a number of apps that you can use that will create a spending report for you.  Again, budgets are extremely important when you are trying to save and balance money.  Once you have a budget, the next step is to stick to it.  You do not want to waste your time calculating and figuring out a budget and then not stay true to it. 

If you are still confused or unsure, give us a call or send us an email.  We would be more than happy to help you put together a budget that is right for you. 

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Securities and investment advisory services offered through Hornor, Townsend & Kent, LLC (HTK), Registered Investment Adviser, Member FINRA/SIPC. 187 Danbury Road, 2nd Floor, Wilton, CT 06897  (203) 966-2636. HTK is a wholly-owned subsidiary of The Penn Mutual Life Insurance Company.  Caserta & de Jongh, LLC is independent of HTK, LLC. HTK does not provide legal and tax advice. Always consult a qualified tax advisor regarding your personal tax situation and a qualified legal professional for your personal estate planning situation. 

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