To Conserve or Consume the "Kicker" Check 
By Trevor Hammond 

Soon the state “kicker” checks will be arriving for thousands of homeowners across the state.  What will you do with your refund?  Will you Conserve it, or Consume it?

Conserving your refund means you are committed to using this money wisely to put you and your family in a better financial position now and moving forward.  The Conservers will ask themselves, “Could this kicker check be the start to a better financial future?”  They realize that they are tired of living paycheck to paycheck, and leading a life that stresses over money.  The Conservers are tired of reading negative headlines of homeowners facing foreclosure, and statistics about the lack of good savings habits for families across the country.  Conservers want to put an end to their need to use credit cards every month, and are desperate to build a “cash-cushion” for emergencies so they no longer need to live in credit card debt.  Conservers will use this refund to pay off debt to allow them to increase savings for their future.

The Consumers, right about now, are asking themselves, “What do I want to buy with my kicker check?”  The Consumers remain blind to the fact they are not saving enough to retire comfortably or help their children go to college.  Consumers are rationalizing that they deserve to treat themselves to something nice with the refund, even if they’ll have nothing to show for it a year from now.  These Consumers refuse to take the time to change their money habits, instead choosing to live in the “now”, and worry about the future later.

So, what WILL you do with your “kicker” check?  Is this a chance to redefine your path to a better financial future?  Will you be a Conserver or a Consumer?

For years, we have been teaching homeowners our Money Priority Model to help people prioritize where dollars should go each month as they come into the household.  In our coaching programs through MFS™, Members learn they must save 20% of their income in order to achieve their most important financial goals. 

$600 can be enough to change your financial future.  How much could you save each month by paying off $600 of debt?  An entire year of financial education through MFS™ is less than $500.   

If you are already a Conserver, utilize the resources available to you to make the right decision with your money.  If you are a Consumer desperate to become a Conserver, call me and I will help you make the right decision.  Make it count!