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Rogelio Gonzalez, CRPC®, CSRIC™
Financial Advisor, Prudential Advisors
Pacific Northwest Financial Group
7525 SE 24th Street, Suite 110
Mercer Island, WA 98040
Phone: 360-919-4271
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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Prudential Advisors is a brand name of The Prudential Insurance Company of America and its subsidiaries. Offering 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. Prudential and its representatives do not give tax or legal advice. Please consult with your own advisors regarding your particular situation. Prudential, the Prudential logo, and the Rock Symbol are service marks of Prudential Financial Inc., and its related entities, registered in many jurisdictions worldwide. Pacific Northwest Financial Group and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.
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