If you含羞草研究社檙e like most people, saving and investing can be overwhelming. There are so many different options and decisions to make, it can seem easier to worry about it tomorrow and enjoy your extra hot grande caramel macchiato in peace, right? However, if you want to enjoy that macchiato 30 years from now, you want to keep reading!

First, take a deep breath. Saving is not nearly as scary as that spider lurking in your garage. According to Shaun Ludwar, Investment Advisor at Prospera Credit Union, it含羞草研究社檚 easy to get started. 含羞草研究社淭he most important question to ask yourself is what you含羞草研究社檙e saving for,含羞草研究社� says Ludwar. 含羞草研究社淲hether it含羞草研究社檚 a new car, a trip or retirement, knowing what you含羞草研究社檙e saving for is the first step to setting your goals.含羞草研究社�

Ludwar recommends setting SMART goals to help you develop a personalised plan. SMART stands for specific, measurable, achievable, realistic and timely. If this seems daunting, an advisor like Ludwar can help you set SMART goals, and then work with you on how to achieve them.

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What if you already know what your goals are, but you含羞草研究社檙e living paycheque to paycheque? Ludwar suggests starting with everyone含羞草研究社檚 favourite word含羞草研究社� budgeting. It may seem time consuming, overwhelming, or like something your grandparents did, but it含羞草研究社檚 quite simple once you get started. Knowing how much money is coming in versus how much is going out can be a real eye-opener. It can help clarify your basic needs and make sure they are met, while uncovering ways to tuck money aside each month.

You don含羞草研究社檛 need to figure it all out on your own, either. Financial Planners like Ludwar have the expertise to help you develop goals and set a plan to achieve them. Think of it like having someone in your corner every step of the way to help you reach your financial dreams.

Speak with a Prospera advisor today to keep enjoying that macchiato!

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