I have a friend whose relationship with organization is strained at best. Recently, he made a pretty harmless error that carried outsized, dire consequences — a mistake that Judith Heft & Associates could have prevented if he had hired us. As Eric was preparing to spend the summer in upstate… Continue Reading..
In my book, How To Be Smart, Successful, And Organized With Your Money, I devote an entire chapter to credit. I spent so much time on it because credit is such an important part of our lives; everything from getting a mortgage (or even getting approved for a lease), to… Continue Reading..
My journey to becoming a Financial Concierge and Certified Money Coach started when I learned how to balance a checkbook at my parents’ clothing store. But there is another side to my profession, and that is helping people. Twenty years ago, our greatest challenge during Tax Time was to gather… Continue Reading..
September may be the month of three-day weekends, but a Financial Concierge never rests! Who am I kidding? I am having a great September so far! After taking the month of August off from blogging, I am back with more stories to tell - like this diverse set of challenges… Continue Reading..
One of my clients is actually two people: a husband and wife team who each have a physical disabiIity. As a result, they have come to depend on home health aides to help them with their medical One of my clients is actually two people: a husband and wife team… Continue Reading..
One of the common threads I see across every segment of society is the dilemma of the less-monied spouse. That means one spouse, usually the woman, is dependent on her husband for basic needs like food and shelter. What’s worse, she often lacks the resources to move out on her… Continue Reading..
Being a bookkeeper, organizer and financial concierge is not all telling my clients “Do this to avoid penalties,” or “Do that to get better interest rates.” I also learn many good practices from them. The successful people I have worked with, who are at the top of their industries, share… Continue Reading..
Not only can they be used for flights or upgrades, they are increasingly being used as negotiating tools. But are they really worth all the trouble? People often ask me if frequent flyer miles are taxable, and the answer is no. According to the IRS, it “...has not pursued a… Continue Reading..
The word “budget” is perhaps the only four-letter word that has six letters. That is why I don’t do budgets with my clients. We figure out spending plans instead. And each spending plan I help to draw up is as unique as the person it is tailored to. However, no… Continue Reading..