![]() ![]() nationals from lodging, paying for lodging, or making reservations at certain properties in Cuba. Consult the Cuba Restricted List for more information. residents), even legally authorized travellers, are prohibited from engaging in direct financial transactions with certain Cuban hotels, shops, and tour agencies owned or controlled by the Cuba military or intelligence services as listed on the U.S State Department Cuba Restricted List. Department of the Treasury website for more information on Cuba Sanctions. Exportation, importation, or transmission of information or information materialsīefore booking a trip to Cuba, U.S.Activities of private foundations or research or educational institutes.Educational activities / group people-to-people educational travel.Professional research / professional meetings and conferences.government, foreign governments, and certain intergovernmental organizations The Office of Foreign Assets Control (OFAC) requires that all such travelers fill out a declaration to acknowledge that they are holders of a specific travel license for Cuba, or that their travel to Cuba is related to one of the following general license categories: If there are any more budget templates you would like to see on this site, then please leave a comment below.Travel to/from Cuba is restricted for U.S citizens, U.S permanent residents and other persons subject to U.S jurisdiction. I have created many budget templates and trackers for friends and family over the last 20 years and I am thrilled to share them with you here. I have an MBA in finance and I love creating templates to help me save and create an emergency fund. ![]() Use the savings trackers above to create your emergency fund. If your emergency fund is tied up in investments it might not be available if suddenly required. Ideally, you should keep your emergency fund in an easily accessible bank account with an APY of at least 1 percent. If this is out of your reach, aim for a minimum of $1,000 per person. This sum should include rent, groceries, utilities, and all other basic living expenses. Ideally, your emergency fund should cover six months of living expenses. This really depends on your current financial situation. Put the money you save in a piggy bank you cannot open or better yet in a high-yield savings account. It is very important to have an emergency fund to see you through to the next paycheck in case you are hit by an unexpected bill or expense. The idea is to create inspiration to give you the motivation to prevent impulse shopping and save wherever you can. ![]() If you are saving to buy a home or new car then put pictures of homes or cars you love. For example, if you are saving for a wedding then put pictures of your dream wedding. If you need extra motivation to save, then try filling out a motivation template or creating a vision board. Put your coins somewhere you won’t be able to get them out. On the site, you will find various money saving challenges to help you save.Įven if you can’t afford to do any of these challenges then start small by saving your loose change. ![]() To check how much income you have each month, please see our budget template printables. To check how much you are spending on needs and wants please see our expense trackers. This is, in addition, to your retirement plans. 30% on wants (things that are not essential such as vacations, entertainment, etc), and.50% on needs and obligations (such as rent, food, health care, car, etc).The 50/20/30 budget rule divides up net income (after-tax) and allocated it as follows: Senator Elizabeth Warren called this the 50/30/20 budget rule in her book, “All Your Worth: The Ultimate Lifetime Money Plan”. Some financial experts recommend saving at least 10% of your income each month, whereas others say you should save at least 20% if not more. ![]()
0 Comments
Leave a Reply. |