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David P. McCabe,
WMCP®, ChFC®, CLU®
Financial Planner
Nathaniel D. High, RICP®
Financial Planner
Nicholas J. Over, CFP®
Financial Planner
Sara E. Martin
Client Relations Manager
Jennifer A. McCabe
Client Relations Specialist
jennifer.mccabe@prudential.com
Centuria Financial Group
2333 Baltimore Blvd Suite B
Finksburg, MD 21048
Phone: 443-952-7232
May/June 2024
Your Summer Financial To-Do List
Summer activities can take a toll on your finances, so it’s important to take control from the outset. The suggestions below can help keep your spending plan intact.
Create a Vacation Budget
Decide how much you can afford to spend on vacation and research your options. Flexible dates may help you find the best deals. If you’re planning to fly, check for cheap flights on the airlines that service your destination. Consider using a travel agent, who may have information on vacation packages that fit your budget.Check Your Emergency Fund
Are you covered in case of unexpected expenses or job loss? You should have three to six months’ worth of living costs saved in a fund that you can access without paying a penalty.Automate Your Savings
Overspending on summer activities can leave you without the funds to add to your savings or retirement accounts. Automating your contributions can prevent you from cutting back on savings to compensate for higher summer spending.Put Your Bills on Autopay
When you’re on vacation or busy with summer activities, it’s easy to overlook payment due dates. Forgetting a payment can result in late fees and dings to your credit score. Set up automatic bill pay online to avoid missing payments while you’re on vacation. The convenience may encourage you to use this option even after summer is over.Raise the Thermostat
Adjusting your thermostat upward by a few degrees can save you money while keeping your home at a comfortable temperature. Remember to raise the thermostat when you’re at work or away from home for more than a short time — and especially when you go on vacation. Consider investing in a “smart thermostat” that you can program to raise and lower the temperature in your home at different times of the day or night.Remember, practicing good financial habits is the key to long-term financial success.
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Centuria Financial Group is not affiliated with Prudential Financial. Centuria Financial Group sells insurance products of Prudential Financial's affiliated insurance companies in addition to products of non-affiliated insurance companies. Centuria Financial Group is authorized to sell and service certain insurance products of Prudential Financial companies as well as use this material. Centuria Financial Group and its representatives do not give tax or legal advice. Please consult with your own advisors regarding your particular situation. Offering financial planning and investment advisory services and programs through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS), pursuant to a separate client agreement. Offering insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies. 1-800-778-2255. Sara E. Martin and Jennifer McCabe are employed by David McCabe and not The Prudential Insurance Company of America or its subsidiaries.
This newsletter is general educational information provided by a Prudential Financial Professional and is not intended to market or sell any specific products and services, but rather provide general information about the subject matter covered only.
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