Increase Retirement Savings Rate to Extent You Can
Based on the items you already completed in the Growth tier, you should be ready and able to increase your savings rate from the percent you previously set. Use the MoneySwell Cashflow Goals [...]
Calculate Your Medium-interest Debt Payoff Date
In the notes box above (for logged-in users), write down your medium-interest debts, calculate your payoff dates using the links blow, and write down the payoff dates next to each debt. Loans with [...]
Fund Your Emergency Fund to Your Growth Level
In the Growth stage of financial maturity, you should grow your emergency fund to cover three to six months of expenses. (You should aim for 1-3 months in "Security", and 6 months to [...]
Adjust Automatic Savings to Your Emergency Fund – Growth Level
MoneySwell's tools can help you determine how much more you can afford to put toward your emergency fund. (See below.) If it’s not clear if you can afford to increase your automatic transfer [...]
Confirm You Can Meet Your Financial Needs
Use this process to find out if you can meet your monthly essential needs. If you can’t meet your needs, you’ll find out how much you’re off by. [...]
Resources to Help Make Ends Meet
When you’ve done what you can to cut expenses, and earn more income through side gigs, changing jobs, or getting raises, and you still can’t make ends meet, consider the resources listed below [...]
Track Your Monthly Expenses
We highly recommend tracking your expenses by account instead of spending category. Tracking by account is faster (simply enter an average number for your spending for each account) and more accurate because you're [...]
Fund Your Emergency Fund to Security Level
Fund your emergency fund account to the point where it can cover one to three full months of expenses. To determine your amount for one (or three) full months of expenses, use the [...]
Track Your Monthly Net Income
MoneySwell's Cashflow Goals is an easy budgeting tool. From the tool, go to the Plan tab, scroll to “Planned Net Income'', and enter a row for each of your sources of income. Remember [...]
Track Your Progress with Cashflow Goals
The MoneySwell Cashflow Goals tool can be a helpful tool to help you track your debt payoff. Review the steps to take in each of the tabs (Plan, Update, Review) to understand how [...]
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