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Financial Planning Tips

12 March 2024

Financial Planning Tips

The Secret to Financial Security: Start Early, Plan Early

Financial security is something that everyone wants, but it can seem like a difficult goal to achieve. The good news is that there are a few simple steps you can take to get on the right track.

  • Set Goals and Track Your Progress

The first step to financial security is to set some goals. What do you want to achieve with your money? Once you know your goals, you can start to develop a plan to achieve them.

  • Create a Budget

A budget is a roadmap for your money. It shows you how much money you come in each month and how much money you go out. Creating a budget will help you identify areas where you can cut back on spending and free up money to save towards your goals. Have you heard about the 50/30/20 rule – a handy budget tool – see our blog here: https://synergycu.ie/news-events/the-50-30-20-rule-for-budgeting-well-worth-reading-and-trying

  • Build an Emergency Fund

An emergency fund is a safety net that can help you cover unexpected expenses, such as car repairs or medical bills. Ideally, your emergency fund should cover 3-6 months of living expenses. Have you started a savings account ???

  • Invest for the Future

Investing is a great way to grow your money over time. There are a variety of investment options available, so you can choose one that fits your risk tolerance and investment goals. The earlier you start, the easier it gets as you get older. Pensions offer tax benefits, it grows through compound interest, and often come with employer contributions. They're a great long-term savings option for retirement but consider the access limitations and potential fees. Talk to a financial advisor to see if a pension fits your plan and if it does start today.  See our blog here on pensions: https://synergycu.ie/news-events/secure-your-future-with-a-pension-plan

  • Get Professional Advice

If you're not sure how to get started with financial planning, consider talking to a professional financial advisor. A financial advisor can help you assess your financial situation, develop a plan to achieve your goals, and choose the right investments for your needs. See our partnership with Irish Life below and book an appointment here: .

Synergy Credit Union Can Help

At Synergy Credit Union, we are committed to helping our members achieve financial security. We offer a variety of financial products through our partner Irish Life and services to help you save, invest, and grow your wealth.

We offer a financial planning service through our partners Irish Life. They are an insurance intermediary that can review your protection, retirement, savings and investment needs, and they offer a full free financial review (no obligation on your part)  with one of their Qualified Financial Advisers. This can be done online or over the phone at a time and place that suits you. Avail of this opportunity to set yourself on the right path to financial security.

Contact us today to learn more about how Synergy Credit Union can help you achieve your financial goals.

Make your free no obligation appointment here: https://synergycu.ie/services/financial-planning

Here are some additional tips as you go through the process:

  • Start early: The sooner you start planning for your financial future, the better off you will be.
  • Be realistic: Don't set goals that are out of reach.
  • Be consistent: Stick to your budget and investment plan, even when it's difficult.
  • Review your plan regularly: As your life circumstances change, you will need to update your financial plan.

By following the above tips, you can take control of your finances and achieve your financial goals and Synergy Credit Union is here to help.

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Financial Planning Tips

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