Michael D. Barone SFG

June is a smart time to check in on the money habits you’ve built so far this year. Poor financial habits can quietly derail savings, increase debt, and limit future options, but small changes can help you get back on track before year-end.

-Build a budget: Track income and expenses for at least 30 days to see where your money actually goes.
-Automate savings: Set up payday transfers so you are saving before the money can be spent.
-Face debt directly: Review balances, terms, and interest rates so you can prioritize repayment strategically.

Small habit changes today can reshape your financial future. Here’s where to start: https://bit.ly/4fdHvFD

How to keep bad financial habits from becoming permanent The first step in addressing poor financial habits is recognizing that meaningful change begins with individual actions.

Graduating into a tough job market? The class of ’91 has been there too. Their kids are job hunting now, and they’re sharing what they learned along the way:

-Stay adaptable: One ’91 grad’s first job as a secretary eventually led to a career in communications and pharma.

-Keep perspective: Taking a temporary role while job searching can be a practical step, not a setback.

-Stay the course: A missed career path for another ’91 grad led to work around the world, from Siberia to Ukraine.

Find out more about career lessons from those who’ve been there: https://bit.ly/4uxtAim

To 2026 Graduates Facing a Bleak Job Market, 1991 Grads Have Some Advice (Gift Article) The New York Times profiled young job seekers in 1991. Today, their own children are entering a work force in flux.

Identity theft can happen fast, but a few smart habits can make you harder to target.

-Lock your credit: A credit freeze at all three bureaus can help prevent new accounts from being opened in your name.
-Strengthen logins: Use unique passwords, a password manager, and two-factor authentication whenever possible.
-Stay alert: Review financial accounts and credit reports regularly so you can catch suspicious activity early.

Read the full checklist of steps to help protect your personal and financial data: https://bit.ly/3RhIs5P

Tips to protect your personal financial information Taking strides to protect personal data is important to safeguard one’s financial security.