Inflation or no inflation, a financial checkup is always a good idea. Here are seven steps to take to assess your money health now.
2. Avoid"lifestyle creep."
You may have gotten a slight raise or moved to a new job making more money. So why not treat yourself to take-out most nights of the week? You're working so hard you don't have time to cook. If those meals and delivery costs have doubled your food costs, but your take-home pay hasn't kept pace, you may be a victim of"lifestyle creep" as the cost of your lifestyle increases faster than your income.
You need a mix that's appropriate for the amount of risk you are willing to take and the amount of risk you need to take so that your money can grow and you can afford to live comfortably in the future. Consider a target-date fund that invests in a mix of stocks and bonds and automatically rebalances toward less risky investments the closer you get to your retirement or another"target" date.
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