You’ve filed your taxes and are expecting a big refund check, now what comes next? Receiving a refund often feels like an added payday, and it can be incredibly tempting to spend it on a new gadget, spring clothing line, or a weekend getaway — all things that you don’t really need.

Money doesn’t grow on trees — we all know that. But money does grow with discipline, time, goals, and a sustainable journey supporting it. With the pandemic, 2020 may have been a rough financial year, so how can you start 2021 with a fresh perspective? It’s all about sticking to a financial plan that helps you achieve your long and short term goals and dreams. It’s not always easy (or fun!), but it’s all worth it in the end.

Living below your means is a sure-fire way to set you on the path to financial success. Let’s take a look at the top reasons why you should live below your means and why it isn’t as hard as it sounds.

2020 has been a rollercoaster ride for most of us, and while it may be tempting to avoid money matters and celebrate the arrival of a brand new year, investing a few hours in some intentional money moves will keep your financial goals on track.

Charitable giving—whether donating time, talent, or treasure —can be a tremendously positive family experience when shared. Meaningful ways of giving can become traditions you can start building with your family today.

Each fall, you typically have the option to review and adjust your benefits during an open enrollment period. This is the time to check-in and make any necessary changes to your health or life insurance coverage, beneficiary designations, and even retirement contributions.