William Rassman, CFP®, is a speaker, author, and financial services advisor for successful individuals & families. He began his career at Smith Barney in the financial district of New York in 2008, and is a Wealth Advisor at Centric Capital Advisors.

Will graduated from Wagner College in New York, New York, with a BA in economics. A former college hockey player and NCAA golfer, Will lives in Manhattan Beach, California, with his wife Svetlana. He is an active member of the Financial Planning Association and Toastmasters International. During his free time, he enjoys volunteering with his dog, Gopher.

Listen to the interview below, and be sure to check out his book, Atlas Shift: Mastering Your Financial Experience in the Post-Information Age 

Silver jewelry is a favorite for both men and women because unlike other metals, it is quiet but classy at the same time. You can wear silver with office attire as well as when dressing up for a social event. Silver also pairs nicely with other metals or ornamental gems to create breath-taking jewelry pieces.

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Morissa appeared on the Rocken Budda Radio show for an interview, listen to the full recording below!

Morissa recently interviewed Diana Blackmon, the author of One Foot on the Shore…a Spiritual Journey to the Promised Land! Hear the full interview below!

Creating and adhering to a budget is difficult. When finances are stretched especially tight, it can feel impossible to budget with the money that you have. Yet, the importance of implementing a proper budgeting system in your and your family’s lives cannot be overstated. Understanding where one’s money goes is the basis of making sound financial decisions, improving one’s credit, and saving money with which one can invest in their future.

What happens after a person has set pen to paper and calculated where their money goes? The next step is to stick with that realistic and comprehensive budget that they’ve just outlined. This is where many people fall short, become frustrated, and slide back into old spending habits. So, how can you avoid this common financial trap?

The five budgeting tips below are time-honored methods of not only creating a budget, but also sticking with it so that you’ll see the results in your monthly statements. As curtesy of a financial consultant, mortgage broker and debt relief strategists AskRoss.ca they will surely help you optimize your finances.

Understand Where Your Weaknesses Are

Hey, we’re all human and all humans have flaws. We all have material items and experiences that we’re attached to, and we’ll often find ways of paying for them even when we’re penny-pinching. One of the biggest errors that people make when creating a personal or household budget is not paying due attention to the areas where they’ll be more tempted to spend extra money. Whatever this may be, it is important that anyone with a budget pay extra attention what their spending “weaknesses” are to stay on track.

When Life Changes, So Should Your Budget

Life changes often, and this may result in having more or less money to budget with than when you initially created your budgeting plan. When major life or financial changes happen, it’s important to look again at the budget you’ve created and make any necessary adjustments. Changes could include the payments toward a big bill or new loan, a promotion or new job that earns more income, and anywhere in-between. If new life circumstances have impacted how much money a person has at their disposal, it’s time to take a second look at the budget.

Don’t Be Too Rigid

Some people like to budget down to the very last penny – and it often doesn’t work. This kind of budgeting is stressful and invites failure because there is no “wiggle room” for sudden, minor expenses. Sticking to a meticulously-planned budget is great practice, but when every single penny is accounted for in the weekly or monthly budget, it’s much easier to fail than it is to succeed. If it’s possible, create an actual “fun” budget and an “emergencies” budget – just in case!

Try Minimizing Your Use of Cash

Cash can be tough to budget with, because it’s hard to keep track of unless you are meticulous about keeping your own records. Most people aren’t, and that’s where debit/credit cards are of great help. Consumers can keep track of their expenditures, bills, and income with any number of online banking apps, many of which are already offered by their banking institution. Making use of an app or website of this nature makes it easier to track your budget, because all of the information you need is just a log-in screen away!

Prioritize Your Debts

The best way to save and budget money is to get out from under one’s debts. Make sure to prioritize your debts, starting with the debts that have the largest interest rate (if applicable) and working from there. You can’t get ahead when you’re in debt, so formulate your budget to include some income that will be targeting what you owe.

It’s not always easy to create a budget, but for many individuals and families it is a necessity, a part of improving lives and creating a more comfortable future.