Sentences with phrase «lot of savings if»

It's easy to do and can add up to a lot of savings if you cook regularly.

Twenty percent off any membership can add up to a lot of savings if you decide to go with more than a 1 month membership.

Not exact matches

«If you are using an HSA purely as a retirement savings vehicle and not taking advantage of your 401 (k), your contributions will not amount to a lot of money and are probably not going to cover health - care expenses in retirement,» said Fronstin of the Employee Benefits Research Institute.

«Get a good handle on what your expenses are, and if you're really serious about retiring early, you need to save a lot of your income,» McCurry said, adding that about 50 percent would be an ideal savings ratio.

However, if you're just starting your savings journey, perhaps with not a whole lot of cash, you may be better served elsewhere.

If you plan in $ 15 - $ 20K into your annual spending for travel, like you said, then obviously that eats up a lot of your savings.

If you're approaching retirement, you've likely seen lots of articles about your «retirement number» — how much money you'll need to have in savings before you're able to comfortably retire.

Remember: If you invest via a tracker for the long term and take advantage of volatility through monthly savings, you sidestep a lot of these issues to achieve average returns.

But if there is great opportunity at the end of 2017 or in 2018, I will take advantage because I will have a lot of capital by then due to my savings projections and CD and deferred partner investment coming due.

If you're just starting out as an investor or you don't have a lot of money to invest, it's possible to access a brokerage that can help you put your savings to good use.

Plus, even if you don't win, there will be lots and lots of coupons, too, for savings.

says a lot of people are dipping into savings now... Let's hope that by April next year, the economy starts improving, that the economy is growing, that wages start rising, that inflation starts coming down, because if those things are happening then some of these pressures are more bearable.

If I'd known about this when we got married and registered for this instead of various other appliances, it definitely would've been a cost savings, but if, like me, you already have these other appliances, the cost can seem like a lot up fronIf I'd known about this when we got married and registered for this instead of various other appliances, it definitely would've been a cost savings, but if, like me, you already have these other appliances, the cost can seem like a lot up fronif, like me, you already have these other appliances, the cost can seem like a lot up front.

You can save a lot of money by ordering products in bulk or buying the largest format, but it's only a savings if you will definitely use this product and know it is effective.

If you're on a tighter budget or just appreciate savings, we have a lot of these models are available in our pre-owned inventory at a reduced price.

There are a lot of apps you can download if you prefer to manage your expenses and savings on your phone or tablet.

For example, if you've got lots of other resources you can fall back on besides your retirement savings or your nest egg is so large that your chances of running through it are minimal, then you could increase your stock stake.

If you can make do with the version you have now for a few more months, or even a year, that could end up saving you a lot of money that you could use to boost your savings.

And when I found a savings account that I really like, I usually ended up opening an account with it as switching savings accounts is much easier than changing checking accounts if you, like me, have a lot of external links to the account.

After all, if underestimate how much savings you need or overestimate how much you can withdraw, you may run out of money while you've still got a lot of living to do.

If you combine them with lots of other funds — as many people do — it will be harder for you to gauge how your savings overall are split among stocks and bonds and you'll may very well undermine the rationale for buying a target - date fund in the first place — i.e., to assure you have a coherent and consistent investing strategy.

If you spend a lot of money on restaurants and gas, it might be a better deal than the Discover it card because you'll be guaranteed to earn extra cash back rewards on those two things which you buy every month versus the rotating slate of savings categories that you would get 5 % cash back on with the Discover it card.

And if you spend a lot of money at Amazon, the savings can be significant.

That may feel impossible for a lot of people but imagine what the outcome would be if you created a budget, focused heavily on reducing expenses and increased your savings rate to say 40 - 50 % of your income and invested it?

Lesson learned: If you can ante up a little extra now for a mortgage, it can add up to a lot of savings later.

As if these tricks weren't enough, we've also rounded up a few other ways to add to your savings that won't take up a lot of time or effort.

If those account types still sound too risky for your tastes, one stable savings vehicle a lot of people are trying are CDs.

If you're really worried that you might run through your savings while you've still got a lot of living to do, you could also think about converting a portion of your nest egg to a guaranteed lifetime income stream via an immediate annuity or a longevity annuity.

If you're not as concerned about exhausting your savings too quickly — perhaps you have lots of home equity or other resources to fall back on — you can go with a higher initial withdrawal, although you should be aware that your chances of running through your money increase rapidly once you get above 4 %.

Capital One's saving account is great if you don't have a lot of money to deposit into a savings account, but how does it compare with other online savings accounts?

Explore More Sophisticated Withdrawal Strategies if You Have a Lot of Savings: If you have sizable savings, you may prefer something more sophisticated with your assets: annuities, a bucket approach, varying your withdrawal amounts based on investment returns (applying floors and guardrails), setting up a bond ladder or establishing a more sophisticated allocation for your assetif You Have a Lot of Savings: If you have sizable savings, you may prefer something more sophisticated with your assets: annuities, a bucket approach, varying your withdrawal amounts based on investment returns (applying floors and guardrails), setting up a bond ladder or establishing a more sophisticated allocation for your Savings: If you have sizable savings, you may prefer something more sophisticated with your assets: annuities, a bucket approach, varying your withdrawal amounts based on investment returns (applying floors and guardrails), setting up a bond ladder or establishing a more sophisticated allocation for your assetIf you have sizable savings, you may prefer something more sophisticated with your assets: annuities, a bucket approach, varying your withdrawal amounts based on investment returns (applying floors and guardrails), setting up a bond ladder or establishing a more sophisticated allocation for your savings, you may prefer something more sophisticated with your assets: annuities, a bucket approach, varying your withdrawal amounts based on investment returns (applying floors and guardrails), setting up a bond ladder or establishing a more sophisticated allocation for your assets.

Even though you mention setting aside a reasonable amount of savings for emergencies and such, what if it turns out you need a lot more for unanticipated expenses (health care, home repairs, etc.) than you estimated?

As lots of you already know, online shopping can result in huge savings if you're a shrewd shopper.

If you follow a lot of personal finance blogs you probably know by now that barely over 30 % of Americans have savings more than $ 1,000.

If setting aside 10 % of your monthly income sounds like a lot, remember that some retirement savings plans use use pre-tax dollars.

Even if you have a 401 (k) plan at work, it makes a lot of sense to include a Roth IRA to your retirement savings.

If you frequently shop at GameStop this will quickly add up to a lot of savings, no matter what you buy there.

A lot of people will look at this as «found» money and will use this frivolously; however, if you are in debt or are struggling from paycheck to paycheck, even this money should be set aside to pay bills or set aside in a savings account for emergencies.

Having your debt paid down or off, and having some savings in place, may not solve all of your problems if the economy tanks or a major storm sets in, but it sure would give you a lot more options.

But if you're just under that mark, being able to put pre-tax money (i.e. your savings plus a refund) in an RRSP and then withdraw all of that (including the government's portion) can help get you over the line and save a lot on CMHC fees.

It doesn't make a whole lot of sense if someone is going to use the interest savings to squander somewhere else.

I guess that yelling at staff or pointing a gun at them would not make any difference (more likely do even worse), but if I tell that I will otherwise close the account (thus they will lose a lot of money from my savings), would they stand back?

Your own tax and savings situation also factors in - if you pay a high rate of tax on interest income, it may be better to offset your mortgage interest rather than earn interest in a bank account, but this tax advantage is not present if you do not pay a high rate of tax, or if you do not have a lot of savings.

«So if you don't have a lot of savings, but you still have a lot of equity, you can sometimes go into the six figures for that kind of line of credit versus the personal line of credit that doesn't have that security.»

If you're just starting out as an investor or you don't have a lot of money to invest, it's possible to access a brokerage that can help you put your savings to good use.

Making a lot of money is great but he can not attain his goals faster if he does not keep up his savings rate.

But if I like SmartyPig a lot, it could become the place for all of my new savings goals as I come up with them.

There's a lot of emotions at play when it comes to finances, and if you're not keeping 30 % debt on a CC, or using payday loans etc, while throwing everything into retirement savings, then I'm cool with it:)

The upside is that you can stash a lot of cash in these, so if you're fairly close to retirement, earning a high income that you know you'll maintain and that allows you to save a significant amount per year — we're talking $ 50,000 to $ 80,000 or more — you might consider using this plan to supercharge your savings efforts.

If you have a lot of savings, you could buy individual real estate properties directly.