I'm Lorenzo Hardy
Independent Financial Adviser for 12
years.Licensed by the National Association of Securities Dealers, the Securities and Exchange Commission as a Registered Investment Adviser on the federal level.

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Financial Services


With the current economic conditions, a lot of people are worried about their jobs, homes, cars and their children. So I thought the best way to start talking about financial services would be to talk about the basics of budgeting. No person will ever know where they are going until they find out where they are at now. But when most people hear the word BUDGET, They run for the hills. A budget is a guideline to your lifestyle. It tells if you are motivated to save or just like to spend it as fast as it comes. There is nothing written in stone in your budget, it’s just a guide to where your money goes. So don’t be afraid to see the real you.

So how do you get started? Well, you need to sit down with your last 4 paystubs if you work for a company or gather all your paid invoices that occur each month, if you’re self-employed and you add up the net income, which is the money left over after all the taxes and deductions are taken out. Then for 4 weeks get a receipt for everything you buy. I don’t care if it’s a quarter for air at the gas station, Get A Receipt! Do everything as you always do just make sure you get a receipt. At the end of each week make a list of what you bought and add these amounts to the bills that you had for each week and you now have two things, the first is your income. this is the amount of money coming in each month. second, you have expenses, the amount of money going out. Once a person knows how much they are spending to live day to day, there are some things that they will find that aren’t really necessary and they can stop wasting that portion of their money.

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