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The Psychology of Saving & Spending

By Robert Pagliarini on March 28, 2015

Why do some households save more than others? Building household savings may depend not only on cash flow, but also on psychology. With the right outlook, saving becomes a commitment. With a less positive outlook, it becomes a task – and tasks and chores are often postponed. Financially speaking, saving is winning. Sometimes that lesson…

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How to Get Rid of Debt

By Robert Pagliarini on March 25, 2015

As the Great Recession faded, American household debt gradually decreased. In fact, it declined by $1 trillion between mid-2008 and mid-2014, according to the Federal Reserve. Now household debt is increasing once more. The Fed found it climbing by $78 billion (0.7%) during Q3 2014. On the macroeconomic level, that can be interpreted as a…

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Are Your Kids Financially Literate?

By Robert Pagliarini on February 28, 2015

How bad is financial illiteracy today? So bad that your children may be at risk of making some serious financial mistakes. Some are finding that talking to children about finances has become less about the nuts and bolts of money and more about putting money’s importance to our daily lives in the correct context. Women…

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4 Money Mistakes That Can Make You Poorer

By Robert Pagliarini on January 17, 2015

How are your money habits? Are you getting ahead financially, or does it feel like you are running in place? It may come down to behavior. Some financial behaviors promote wealth creation, while others lead to frustration. Certainly other factors come into play when determining a household’s financial situation, but behavior and attitudes toward money…

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Discover Your Financial Health Score

By Robert Pagliarini on January 10, 2015

In the future, will you become wealthier or poorer? Who knows, right? It seems like you would need a crystal ball to really answer that question given life’s up and downs. What if the answer is right in front of you? What if you can determine it from your present financial behaviors? Two economists present…

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How to Manage Your Cash Flow

By Robert Pagliarini on

Where does your money go? If you find yourself asking that question from time to time, it may relate to cash flow within your household. Having a cash flow management system may be instrumental in restoring some financial control. It is harder for a middle-class household to maintain financial control these days. If you find…

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Money Tips for Young Families

By Robert Pagliarini on January 5, 2015

Plan to put yourself steps ahead of your peers. If you have a young, growing family, no doubt your to-do list is pretty long on any given day. Beyond today, you are probably working on another kind of to-do list for the long term. Where does “saving and investing” rank on that list? For some…

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Robert Pagliarini Chosen As CFP Ambassador

By Robert Pagliarini on December 18, 2014

NEWS RELEASE  Certified Financial Planner Board of Standards Expands Ambassador Program with Appointment of Robert Pagliarini as CFP Board Ambassador for Orange County He Will Serve as a Local Resource for Personal Finance Issues   ORANGE COUNTY, CA, December 15, 2014 – Certified Financial Planner Board of Standards, Inc. has expanded its CFP Board Ambassador…

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Financial Planning Tips 2015

By Robert Pagliarini on December 5, 2014

What financial, business or life priorities do you need to address for 2015? Now is a good time to think about the investing, saving or budgeting methods you could employ toward specific objectives. Some year-end financial moves may prove crucial to the pursuit of those goals as well. What can you do to lower your…

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Financial Planning Tips Checklist For 2014

By Robert Pagliarini on

The end of a year makes us think about last-minute things we need to address and good habits we want to start keeping. To that end, here are seven aspects of your financial life to think about as this year leads into the next… Your investments. Review your approach to investing and make sure it…

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