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Start Your Financial Planning Today



When I heard the words "Financial Planning" my heart skipped a beat. I'm not the best when it comes to money and I have to say that although I have a great credit score, own my own home and have very little debt besides my mortgage and car payment, I'm still not financially responsible. I love to shop and the words "sale" and/or "clearance" usually means I must buy. However, when you have kids, 1 in college and college looming ahead for the others, it's time that you take financial responsibility. I've never sat down with a financial advisor before and was dreading what one would say to me. I know curbing my spending habits would definitely be in the picture, but how easy would it all be? When I heard about SUM180 I had no idea what to expect. I however did a little bit of research, and what I saw I liked.

SUM180 is a radically different kind of service with one goal: to make financial planning simple, affordable, and even fun - for every woman, wherever she is on her financial journey. I am being honest here, my financial journey was just beginning. When it comes to money I don't like getting anyone involved, but as I mentioned, I also had kids so I had their future to think about. So I decided to give SUM180 a try.

Here are a few things to note:

1. SUM180 is very user friendly and accessible - Everything is easy to understand and I was able to go in and input all my information very easily. I thought that it would have taken me hours, but it really didn't. I suggest however that you have your tax information and bills handy when you're ready to start.

2. It is Personalized Just For You - This isn't a one size fits all plan. This is tailored uniquely for you using YOUR information. So you receive information that is just for you based on your financial input and a plan made just for you with recommendations on how you can improve your finances.


3. It is Affordable - That was my main worry. Not being "rich" I have looked into financial planning in the past. but the prices were such a big turn off. After all, why pay thousands of dollars to help with your finances if paying that sum is going to make your finance worse? The people who usually need help with their finance are usually the ones who don't have a lot of money so affordability was a very big factor for me. Another thing is that if your finances do change suddenly and you can no longer afford your plan, you can always switch to the free plan.

4. Consultation with a Financial Adviser - When you're ready to speak to a financial adviser you can request for one right there on the SUM180 website. You don't have to go far at all and you'll be connected to some of the most respected financial advisers right here in the USA. No one talking to you from India. Don't you just love that?

My experience with SUM180 has been such a positive. I was truly surprised at how easy the entire process was and I now have a solid plan for my future and that of my kids. While I knew how much I was spending, and I also knew how much debt I owned, I had no understanding of my equity and what could happen if I budgeted or even increased/decreased spending in certain areas. Once I received my plan I was able to see that. I'm now able to focus on the 3 steps that will make my life and that of my kids so much better. All told simply enough so I could understand. You don't need a financial degree to understand what is laid out for you. I've also joined in the community where there are other members just like myself, there to support each other with their plans.  We're all there to help. After all, whether you're just beginning, starting over or well on your way to your financial journey, we all need help, whether we realize it or not, and SUM180 is there for you.


Right now SUM180 is offering a special promotion for a limited time. Use code SPRING1 and get 50% off the current product offer!

Let's discuss: What have prevented you from seeking out a financial adviser?


This post has been sponsored by SUM180. I was provided with product at no charge to sample in exchange for my review. The options expressed in this post are my own. I am in no way affiliated with SUM180 and do not earn a commission or percent of sales.

Annmarie John
56 Comments
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56 comments:

  1. I am married to an accountant, so he does all of our financial planning. He's got us covered :)

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    1. Even if you're married to an accountant you still need to know what's going on with YOUR finances.

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  2. We started working with a financial planner a couple of years ago and we haven't looked back! He put us on a plan, helped us strategize for the best future and keeps us accountable. Our future never looked so good!

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    1. That is amazing! I'm so glad you found someone you loved working with.

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  3. I keep saying I'm going to get on board with a financial plan. I make one, start out strong then fizzle out. You shared some great tips!

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    1. And it's never too late to start. Doing it with SUM180 is also pretty easy.

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  4. Financial planning is major. Wish I paid more attention to it years ago. Nice that you have 3 steps to keep yourself organized and on track! Simple and effective!
    Karen | GlamKaren.com

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    1. And it's never too late to start your financial planning. Do you have a retirement fund, or enough to last if something happens to your job? Those are all things y0u need to think about.

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  5. These are really great tips. I usually just put everything in the bank but this is very helpful.Great post! xx felinebykatsairs.com

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    1. And while it's ok to have money in the bank, there are ways you can make your money work for you. That's where SUM180 comes in. To help you.

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  6. Such great tips for financial planning! My husband and I actually love budgeting, so when we do have free money we sometimes are like...but we want to put it in savings! We want to see that number grow! Sometimes it's fun to plan :)

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    1. Budgeting was always my problem but I've gotten quite a lot better at it now.

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  7. I really need to do this for myself. I am in banking during the day so I know exactly how to help everyone else - then when it comes to my own finances I am burnt out!

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    1. Oh I totally understand that. Sometimes it's the ones who help us, don't have it all the way together themselves. :)

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  8. Same here money scares me because I have no idea how to handle it. If I learned how to save I might have a lot more in the bank x

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    1. And that's where SUM180 can help. Check them out today!

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  9. Great tips and Definitely needed I'm not very good when it comes to money planning at all

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    1. Well even if you're not good, you can get better.

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  10. I'm terrible at planning, but great at budgeting. If I know how much I have to save, it will get done. Sum 180 sounds great

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    1. SUM180 not only sounds great, but it is great. I'm so happy I was able to be placed in touch with them. They surely helped me see how much better I could be.

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  11. I need to do this! We are pretty good at thinking at the 1-year -plan but not too much beyond that!

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  12. All great tips. Financial planning is too often not started early enough. We started early and I wish we would have started even earlier.

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    Replies
    1. That's great to hear that you had an early start. I keep telling my college bound daughter that she needs to as well.

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  13. Turning 30 next week had def gotten the financial planning wheels turning in our heads. Going to look into this. THANKS

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    1. You're very welcome and I hope you do. The younger you start the better although it's never too late.

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  14. I'm not a numbers gal either so money issues aren't my strong suit either. But, there's no way to escape the budgeting and financial planning when you're an adult! This looks like a great tool!

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    Replies
    1. It really is and you're right, especially when you have kids and have their future to think about as well.

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  15. Finances are always hard to talk about... I feel like a financial advisor would just yell at me! I know I shop too much, but like you said, we own a house, have two savings accounts so I dont feel like I need to worry too much.

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    1. And you more than likely shouldn't but it's also a good idea to talk to a financial advisor to see what else you can be doing.

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  16. Sum81 sounds very useful. I am not a numbers person but we do keep to our budget very well.

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    Replies
    1. That is great to know and I hope it's working for you.

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  17. Very cool service.

    My husband and I need to reassess our finances. I often forget to revisit things when our circumstances change. Time to make some plans. Sum180 looks cool. I like that they even have a free plan too.

    Thanks for sharing.
    xoxo

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    1. Yes Jennifer and you can take advantage of it and see if it's right for you.

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  18. We are still in the "pay off debt" part of financial planning. This sounds like a great service though! I love that you can request to talk to an adviser so easily!

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    1. That's the good thing about SUM180. They also know that 1 size doesn't fit all so it's tailored just for you.

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  19. This sounds like a great resource! My husband has been doing well with financial planning well before we even met, so I let him handle most of it, of course discussing the big decisions!

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    1. And you should take an active part of your finances as well. Don't leave it all to your hubby. Get in there!

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  20. My husband's father was a State Farm insurance agent, so we have some high yield accounts through State Farm. it's never too early to begin thinking about this. I'm glad my dad talked to me about saving at an early age.

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    1. I'm glad that he did as well. You had one amazing dad!

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  21. Happy to say we have no debt. Everything got paid off last year and we because debt free and it was time to start investing. We have an accountant who is wonderful and that really helps!

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    1. That is great to know. We still have our house which is going to take a while to pay off unless we win the lottery. :)

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  22. Ahhhhh hubby and I have been in complete financial planning the last few months! We have a lot of things we want in life so we have to start somewhere. I actually never thought of hiring an advisor. Definitely something to consider.

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    1. Yes it really is. Any help you can get when it comes to your finances should be considered.

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  23. I wish we would have started sooner, but we're ahead of most people. Luckily, we have no debt and have people we trust guiding us. Money is never fun to talk about.... you have some good tips here!

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    1. It sure is no fun and I'm glad that you're able to have people guiding you that you trust.

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  24. This is pretty cool. I would like to check this out, its always good to know about new programs that can assist in ways to save and or invest.

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    Replies
    1. Yes it is and I think you should check it out for yourself.

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  25. This is some great info. I love that its all personalized to you and your financial needs. Thats so great.

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    Replies
    1. Yes it is and don't forget that it's never too early or too late to start your own financial planning.

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  26. These are some great tips! :) I need to start focusing more on all of these and implementing them.

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    1. I would suggest getting in touch with SUM180 because they can surely help you with your financial woes.

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  27. I will check this out. I'm really bad with money and so is my husband. It's not a good mix.

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    1. I can't imagine that being too good with both of you bad at money. SUM180 will be perfect for you.

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  28. I have a financial planner and would like to get a better one, but I'm afraid of capital gains. What do I do?

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    1. And a SUM180 planner would be able to help you with all your questions. Give them a try.

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[name=AnnMarie John] [img=https://3.bp.blogspot.com/-X9gUeVik-ZY/WJjwNTOobII/AAAAAAABTJ4/qEhU0n62_AIo-j6-6LA2OFOr44lKCHASwCLcB/s100/AnnMarie%2BJohn%2BHeadshot.JPG] [description=AnnMarie John is a lifestyle blogger, mom of 4, retired army veteran and a huge Disney lover. Formerly from the beautiful island of St. Vincent and the Grenadines in the Caribbean and now living in colorful Colorado, she loves sharing her opinions on everything, crafting and food.] (facebook=http://www.facebook.com/theannmariejohn) (instagram=http://www.instagram.com/theannmariejohn) (twitter=http://www.twitter.com/theannmariejohn) (pinterest=http://www.pinterest.com/theannmariejohn) (email=mailto:annmarie@annmariejohn.com)

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