At this time of the year many people are thinking about shopping for gifts, but this time of the year people need to be shopping for something else. That is their benefits. These benefits range from your healthcare to investing for your future. I want to make sure everyone is taking advantage of this time before the enrollment periods end.

Your Healthcare:

For those that work for companies that have health insurance this is the time that you are making your health plan choices for next year. If you feel that you paid more money out of pocket than you would like when you went to the doctor then you will need to get a plan that keeps that from happening. If you had health insurance that did not cover all of your medications then you should study the healthcare plans available and pick the best one that will cover the majority of your meds or at least cover the most expensive ones. Taking these steps should help you save money.

Your Money:

Once again for those that work for companies who have investment plans such as a 401K now is the time to reevaluate. Does your company match your retirement contributions $1 for $1 up to a certain percentage and if they do, are you investing up to that percentage? Have you received a raise this year and can contribute more to retirement? Are there any other investments outside of your job that you can do? Taking action with your retirement investments could help you retire earlier.

On Your Own: If you don’t work for a company that has health care and retirement savings or if you are someone who works for themselves then guess what? You have to make sure you take care of everything on your own. If you need healthcare make sure you look into the HealthCare Marketplace and find the best plan for your situation and bank account. To start investing for your future, find a financial advisor that can walk you through your options since you are not able to do a 401K. They will be able to help you with a plan to meet your retirement goals. This is definitely the time to get everything together for the next year!

Other ways to stay in the know when it comes to your finances!

Hire Ja’Net To Speak:

Tools For Your Money: The Money Attractor Academy

Instagram: @JaNetAdamsSpeak

Facebook: Ja’Net “Dream Girl” Adams



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International Financial Literacy Speaker and Author

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