STEPPING INTO CONTROL | Is Your Spending Out of Control? | Black Friday, Small Business Saturday, Cyber Monday: When Will You Shop?
Created for {EMAIL} | [Web Version]( November 14, 2023
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[] INTRODUCTION
[] - [STEPPING INTO CONTROL](
Shopping during the holidays is expected and encouraged – and it can prompt spenders to lean into their favorite activity. The holiday season can be a budget buster, and that problem only multiples when your self-restraint over spending is lacking. In this “Step Ahead,” I have some tips to help you identify why you overspend and how to bring those bad habits to heel. Also, Kiplinger contributing writer [Seychelle Thomas]( sifted through a survey of shoppers so you can also take a look at how other shoppers are approaching the trifecta of [Black Friday](, Small Business Saturday and [Cyber Monday](. Unlike holiday shoppers, California homeowners and drivers are facing a dearth of options when it comes to insurance. Another insurer is exiting the market, further reducing availability and competition. Fortunately, we have some possible alternatives if you are looking for coverage. - Donna LeValley, personal finance writer [Is It Better to Take RMDs Monthly or Annually?](
If you have tax-deferred retirement accounts, you'll need to take required minimum distributions (RMDs) eventually. These are usually taken annually, quarterly or monthly. But which makes the most sense? A financial advisor can help when factoring tax implications for your situation. Learn more. [LEARN MORE]( ADVERTISEMENT [] TOP STORY
[] [Is Your Spending Out of Control?](
[Is Your Spending Out of Control?]( (Getty Images)
How is your spending? My spending took off after I got my first “real” job and it took some work to get it under control. I was caught up in keeping up with the Joneses. [CFP Andrew Rosen identified three types of unsustainable spending and provides a way to tackle and bring each under control](. It’s never too late to get back on track and invest in yourself and your future. [] HOLIDAY SHOPPING
[] [Black Friday, Small Business Saturday, Cyber Monday: When Will You Shop?](
[Black Friday, Small Business Saturday, Cyber Monday: When Will You Shop?]( (Getty Images)
I used to relish the pre-internet crushing in-person crowds and blockbuster sales of Black Friday. This year, Cyber Monday may overtake Black Friday in total spending, and I’m not surprised. The extra discounts shops and credit cards offer on online shopping is tempting. Avoiding lines and not fighting for parking is just a bonus. A survey from Bankrate dug into the shopping habits and intentions of shoppers this holiday season. [Keep reading to find out what your peers are doing and how your plans compare](. [College Loan Considerations For Parents](
Get answers to your most pressing questions about school loans and student debt. [LEARN MORE]( ADVERTISEMENT [] Buying Insurance
[] [More Insurance Companies Are Leaving California](
[More Insurance Companies Are Leaving California]( (Getty Images)
California has an insurance problem that is only getting worse: Home and auto insurance is getting harder to source. This issue is growing in Florida as well. Both states are endowed with amazing coastlines and natural beauty – and both get battered regularly by extreme weather events. We can help you find [insurance coverage in disaster-prone areas](. Read on to [learn which insurer is leaving](. [How To Potentially Generate Passive Income](
Here are five passive income strategies to understand. As you consider these options, remember that it's wise to incorporate multiple strategies to diversify your investment portfolio. [LEARN MORE]( ADVERTISEMENT [] ALSO ON KIPLINGER
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