HAPPY NEW MONTH!

Hi! Happy December! This is a great time to start preparing for the future and do some retirement planning. Most people fail to plan! I don't believe in stressing over the future just implementing a few simple steps along the way that may help if you are blessed to see tomorrow. The  process of investing is slightly different than just saving for an emergency fund.  I've talked a lot on the blog about having a proper emergency fund so I won't spend much time on that.

 I just want to share three things of many that are important when you decide to invest in your retirement.

1) Discipline!  You must have the discipline when investing money over a certain period of time.  If you are always touching the money for emergencies then when will it ever have time to possibly grow. This is why an emergency fund or other forms of liquid cash is imperative so you have options when financial situations arise. Most importantly I found that discipline only works when desire is present!

2)  Diversification! You've probably heard the saying "do not have all your eggs in one basket."   nothing is guaranteed when it comes to investing that's just a risk that you take when seeking a return. However diversifying in different places you place your money can possibly help to minimize risk but remember nothing can eliminate the risk.

3) Last  try to develop a plan that works specifically for your life. Remember everyone's financial goals and dreams are different therefore that makes our actions in how we obtain it slightly different as well. You can build more confidence in your plan by accessing your specific risk tolerance and analyzing the things you hope to achieve in your later years then match that with an action plan customized specifically for you.

Pray you have an awesome month filled with love and blessings! Thank you as always for your support!

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Ann Taylor white wrap blouse ( sold here)
Lauren Conrad mid rise jeans ( similar here )
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