IN Moon Township Summer 2016 | Page 33

Once you determine where your money is going, and what you have left over, start by paying off your most expensive debt first. the minimum payment, while continuing to make the minimum payments on all other cards. Taking these steps to start eliminating debt will allow you to start investing your money to allow it to grow for the future. INVESTING ESSENTIALS We all work hard for our money, but it is important for your money to work just as hard for you. Now that you’ve determined that 20% of your money should be budgeted to financial goals, you just need to figure out how to invest. No matter what you are saving for, you should start by setting realistic, manageable goals for your money, and then find the discipline to reach them. Investopedia breaks investments into three groups: ownership, lending, and cash equivalents. Ownership Investments: Typically the most volatile and profitable. These types of investments span from stocks, to owning or running a business, to buying investment real estate, to purchasing precious objects such as jewelry or art with the purpose of reselling to make a profit. While you can make the mos [ۙ^H