Tag: financial goals

Stop the Spending: Reclaim Your Finances From Impulse Buys
January 9, 2026 0

Stop the Spending: Reclaim Your Finances From Impulse Buys

By The Admiral Staff

To combat impulse buying and save money, the article suggests several strategies. These include creating a detailed budget with room for discretionary spending, setting financial goals and visualizing them, and questioning the necessity of each purchase. Other tactics involve removing saved payment information online, blocking retail sites, unsubscribing from promotional emails, shopping with an accountability partner, limiting cash carried, and implementing a “waiting period” before buying. Recognizing retailer marketing tactics and finding alternative activities to shopping are also recommended. If impulsive buying becomes a

Beyond Debt: Why Your Net Worth Matters More
January 4, 2026 0

Beyond Debt: Why Your Net Worth Matters More

By The Admiral Staff

Shift focus from solely eliminating debt to building wealth by tracking net worth—assets minus liabilities. Rather than just focusing on debt reduction, understanding net worth provides a broader financial picture and allows for better long-term goal setting. Aliche encourages incremental investing, even small amounts, to build assets that can eventually generate passive income and work for you, ultimately leading to wealth creation.

Lock In Your Savings: A Beginner’s Guide to Certificates of Deposit
December 4, 2025 Off

Lock In Your Savings: A Beginner’s Guide to Certificates of Deposit

By The Admiral Staff

A certificate of deposit (CD) is a savings account that holds a fixed amount of money for a specific time (term), earning a fixed interest rate. CDs typically offer higher interest rates than traditional savings accounts due to the requirement to keep funds locked in for the term, though early withdrawal incurs a penalty. They are low-risk, FDIC or NCUA insured (up to $250,000), and a good option for those saving for specific goals who won’t need immediate

Your Money, Your Roadmap: Financial Goals & How TD Bank Can Help
September 22, 2025 Off

Your Money, Your Roadmap: Financial Goals & How TD Bank Can Help

By The Admiral Staff

The article highlights TD Bank’s Learning Center as a resource for setting and achieving financial goals. It emphasizes the importance of defining both short-term (e.g., paying bills) and long-term (e.g., retirement) goals, and provides a framework for creating realistic plans using the SMART system (Specific, Measurable, Achievable, Relevant, Time-bound). Key steps include assessing your current financial situation, creating a budget, establishing savings and investment strategies, and regularly re-

Beyond the Bank: Smarter Ways to Grow Your Cash
July 9, 2025 Off

Beyond the Bank: Smarter Ways to Grow Your Cash

By The Admiral Staff

The article explores alternatives to traditional savings accounts for storing and growing cash. Options range from straightforward choices like high-yield savings accounts, Treasury bonds, and money market accounts to more unconventional investments such as real estate crowdfunding, gold, farmland, cryptocurrency, and collectibles. It also highlights tax-advantaged accounts like Roth IRAs and HSAs, and platforms like peer-to-peer lending. The piece emphasizes finding options that align with individual financial goals and risk tolerance.