22 | April 25, 2019 | 22nd Century Media Lady 22ndcenturymedia.com Tips for tidying up finances StatePoint Media The cultural phenomenon sparked by professional organizing consultant Marie Kondo has motivated millions worldwide to declutter. While cleaning out a closet and making a financial plan may be two very different things, tidying up one’s finances can also “spark joy.” A Certified Financial Planner can help people commit to a plan that helps them take control of their spending, providing them with confidence today and a more secure tomorrow. Here are nine ideas to get started 1. Write down financial goals and post them somewhere prominent, such as the fridge. These can be small goals, like “Bring lunch to work three days a week,” or bigger goals, like “Pay off student loan.” Enjoy Resturant-Quality Foods... At Home! 2. Calculate your net worth to get an overall picture of your financial standing. Your net worth is everything you own minus everything you owe. 3. Update, or create, a budget showing what money is coming in and what’s going out. Make sure it’s not in the red, meaning you’re spending more than you’re earning. 4. Consider opening a Christmas club-type savings account to pay for big-ticket personal expenses. Originally pioneered during the Great Depression, Christmas clubs were financial accounts people added cash to throughout the year. They then used these savings to buy holiday gifts, helping to avoid the holiday spending “hangover.” You can create your own by automating savings each month, ideally in an interest-bearing account. If you save $75 a month, you’ll have $900 over the course of a year — or even more, if you earn interest. 5. Check your credit report. With Credit Karma, you can check your credit reports from TransUnion and Equifax for free weekly. Additionally, you can check your report from each of the three main credit bureaus once a year for free with annualcreditreport.com. 6. Set a deadline to pay off credit cards in full. This will help motivate you to take control of your debt. 7. Rebalance your 401(k) about once a year to see if you are out of balance from your original goals. For example, if your allocation was 60 percent stocks and 40 percent bonds, but stocks had a good year, you might now have a 65 percent stocks and 35 percent bonds allocation, so this will have to be rebalanced. 8. Increase your savings plans. This could be your employer plan at work, your own emergency fund, or both. Consider raising your contribution by 1 percent a year. 9. Meet with a CFP professional. If you haven’t begun planning for retirement or tying your financial goals to your life goals, there’s no better time than now to start. You can find a CFP at letsmakeaplan.org. As you put your belongings in order, consider your finances. Simple measures can help you tidy up your finances. 800-772-7786 www.HomeFoodServices.com Vacations by Land or by Sea Caribbean Mexico • Alaska Europe • Asia Australia South America And More! New York Life 2 convenient locations Chicago North Shore General Office 520 Lake Cook Road Suite 600 Deerfield, IL. 60015 www.newyorklife.com Float Therapy | Massage Therapy | Nutrition CoolSculpting | Facials | Body Treatments Christopher J. Viveiros, CLU Managing Partner 847-317-8700 Downtown Sales Office 500 W Madison Street, Suite 1725 Chicago, IL. 60661 www.newyorklife-chicago.com
22ndcenturymedia.com lady 22nd Century Media | April 25, 2019 | 23 Women’s Healthcare of Illinois expands midwifery program Building trusting relationships and lifelong connections are the driving forces behind Women’s Healthcare of Illinois, and with the recent expansion of the midwifery program, better birth outcomes and overall care have come to Chicago’s south suburbs. “I strive every day to provide evidencebased care to my patients and to help them make the best decisions that they can,” said Beth Helme-Smith, the program’s nurse midwifery service director. With that focus on education, Helme- Smith’s team of dedicated nurse midwives has made personalized care a priority, and the results continue to speak for themselves. Studies have shown equal or better outcomes for women and babies compared to traditional care, including 19% lower risk of infant death during delivery, 33% lower risk of infant death in the first month of life, and decreased incidence of lowbirth-weight babies. “We provide longer-than-typical visits with our midwives, and we discuss individual preferences and tailor care to fit the needs of every person who walks through our doors,” said Dr. Ken Finkelstein, founder of Women’s Healthcare of Illinois. “I want to thank Advocate South Suburban Hospital for working with us to provide the first comprehensive midwife delivery experience in the south suburbs.” The midwives at Women’s Healthcare of Illinois are considered “full-scope” because they care for a client throughout the span of her life, offering both lifelong gynecologic and pregnancy care. And to make the experience even better, Women’s Healthcare of Illinois will be partnering with local doulas for mothers that want added support before, during, and after birth. “I love that at each birth a family is born, not just a baby,” Helme-Smith said, adding that she loves watching the transformations that birth brings to people and their relationships. “It is truly an honor for us to be invited into such a sacred experience.” The practice is a collaborative model of care. The dedicated, highly skilled team provides routine obstetric and gynecological care to women of every age, as well as women who may have more complex needs, including post-menopausal changes can affect a woman’s quality of life in unexpected ways. Women’s Healthcare of Illinois features MonaLisa Touch, a painless and minimally invasive laser treatment for vaginal rejuvenation that has helped millions of women who are silently suffering and unable to undergo other treatment options. “Our patients come first in everything we do,” Finkelstein said. “We will continue to strive to better serve our communities both in the south suburbs and Northwest Indiana.” Submitted by Women’s Healthcare Illinois, 10260 W. 191st St. Suite 100 in Mokena. For more information, visit whcillinois.com.