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January 29, 2014     Sentinel Tribune
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January 29, 2014

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SENTINEL TRIBUNE TAXES 8 FINAN =:E Wednesday, January 29, 2014 Page 7 How to manage your money in the new year (BPT) - As a new year unfolds, many people resolve to kick bad hab- its and take better care of their health and their finances. After a few late payments, messy receipt folders and carefree bud- geting, it's time to make your personal finances a priority. It may feel like you don't have enough time in your hectic life to sit down and manage your money, but with a few secret weapons you can organize your personal finances like a professional in no time at all, from wherever your busy day may take you. "There's no need to take any finance courses or crunch any serious num- bers - anyone can do it with the right tools. And with the on-the-go lifestyle people live these days, those tools need to be just as mobile as you are. By tracking spending in real time and monitoring your budget and accounts from your mobile device, getting your money in order has never been so simple. With technology tools available and on your side, you will be set up for success. A simple solution If you are new to manag- ing your money or need to dig out of debt, the free money management tool Mint.cam is a great way to start. Mint, available via the web and mobile application, links you to more than 20,000 differ- ent bank, credit card, loan and investment accounts, making it easy to view most financial statements in one place. It allows you to get a better understand- ing of where your money is going. You can also set goals, create budgets and monitor spending no mat- ter where you are. The application also delivers account alerts, bill remind- ers and personalized advice to help you save and stay in control of your money. Making a change You can assess where your money is going and make any necessary adjustments by catego- rizing your finances and spending with a budgeting tool Go a little over board on shopping? Spend one too many nights at res- taurants? Scale back your budget for the upcoming Jensen Accounting Cindy M. Jensen Certified Public Accountant 222 10th Street P.O. Box 245 Windom, MN 56101 Telephone: (507)831'-022'7 Fax Number:(507)831-5740 jensenaccounting@qwestoffice.net months to get back on track. Set limits and budget the essentials like rent to be about 30 percent of your income and food expenses around 18 per- cent, which are the normal rates according to the U.S. Census. The Mint mobile application will let you know when you are near- ing your maximum bud- get. Making small changes could help you put away 5 or 10 percent more every month, so you can be one step closer to reaching your savings goal. Knowledge is power For those with more com- plicated finances, Quicken 2014 offers multiple lev- els of personal finance and money management software that allows users with varying financial back- grounds to find the soft- ware that fits their needs. The Quicken 2014 mobile Meet your future with confidence. In challenging economic times it can seem difficult to feel confident about your financial future. Take the first step toward having peace of mind in retirement with our exclusive Confident Retirement  approach. We will work with you to address the four basic principles of retirement: Financial Advisors: 1. Covering your essential expenses Tom vander Hagen*,CRPC; lauryJ. Schiavo**,CRPC  2. Ensuring you can live the lifestyle you want Cory Ann Skogrand*, CFP*, ChF( , CASL , CLUe Gabe Pieper"; Corey J. Skogrand, CFI,ChFC , CLU 3. Preparing for the unexpected 4. Leaving a legacy behind for family or a special charity @ 507-532-2219 Ameriprise Financial Van der Hagen, Skogrand & Associates A financial advisory practice of Ameriprise Financial Services, Inc. 122 N. Third Street Marshall, MN 56258 application allows users to sync data from their computers to their mobile devices so you can make smart decisions even when you're on the go. The com- prehensive software even allows users to take a pic- ture of a receipt with their smart phone to keep track of big purchases, project bills, and access account monitoring anytime, any- where. Set yourself up for a stress-free 2014 by getting a handle on your personal finances no matter how busy your life is. Once you know where you money is going, you are able to make a plan and conse- quently spend less time worrying about money: Knowledge is power, and having that knowledge at your finger tips will enable you to take charge of your finances and reach all of your money goals. "An employee al an Ameripi Fina_ngiaJ Fra_0c.his_e., **A 0antractor 01 an Ameriprise Financial Franchise. Conlident retirement is not a guarantee of future financial results. Cerlified Financial Planner Board of Standerds inc. owns the certification marks CFP CERTIFIED FINANCIAL PLANNERT and 11 in the U.S. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. 2013 Ameriprise Financial, Inc. All rights reserved. MELISSA L. GRAMS, LTD Income tax preparation * Financial statements * Bookkeeping * Payroll * Estate Planning 507-274-6171 cpagrams @ rrcnet.org 212101 We are the Retirement Planning Specialists 212100 www.edwardjones.com You've Spent a Lifetime Preparing for Retirement Now What? If you're recently retired or planning to retire, you're probably concerned about making the right financial decisions. Together, we can find the answers. We'll sit down, face to face, to develop a strategy designed to help your finances meet your needs dyer 'the long haul. To develop a retirement income strategy that works for you, call or visit today. Loretta J Gervais Financial Advisor 2558 Broadway Avenue Slayton, MN 56172 507-836-8128 Investors Choice Financial Services Inc. -- www.investors-choice.com 1-800-472-6495 2648 Broadway Ave. Slayton, MN 41, 244 W. Main Marshall, MN Financial Advisors: Carla & James Goedtke, RFC, CSA Client Services Representatives: Sydney Carlson & Katie Furth Securities offered through American Portfolios Financial Services, Inc. Member FINRA/SIPC Advisory Services through American Portfolios Advisors, Inc. an SEC Registered Investment Advisor , Investors Choice Finaneial Services Inc. is independent qf APFS and APAI U When the day is done, rest easy knowing that FCS is working for you. From a young age, you learn that when things need to be done, you get them done. We'll help you choose the products and services to best serve your needs, whether it's for operating, real estate and equipment loans, crop insurance, or even recordkeeping and tax preparation. At United FCS, we take pride in being a member owned cooperative that pays cash patronage to members annually. Become a member today. Visit one of our twelve convenient office locations. 0,000 United FCS www. unitedfcs, corn 212098 `iiiiiiiiiiiiiiiii!i)iiiiiiiiiiiiiiiiiiiiii!i!iiiiiiiiiiiii!iii