SCREECH, BANG, THUMP! TOILS AND TROUBLES…
It’s almost here again. The ghosts, ghouls, goblins, witches, pumpkins, werewolf’s, vampires, and zombies are back to haunt your neighborhood. Don’t fret; mostly there are only kids behind those masks and costumes.
It’s Halloween, my favorite decorating holiday. I’m known for decorating my house to the nines. Kids come to my door and ask to see the Halloween tree before they ask for candy. My artificial tree is decorated with orange lights, skeletons, ghosts, witches, candy bags, spider webbing and an assortment of other related items. I love the excitement of the holiday. For one day out of the year you can dress up and be whomever or whatever you want. Who or what do you want to be? What was your best costume ever?
We have fun seeing all the kids decked out and guessing who or what they are when our doorbell rings. I am the Certified Financial Planner by day, creative, organized and analytical. At Halloween I can dress up as an 80’s pop star, a witch, a gypsy or any assortment of alter egos. There are so many faces to be played on Halloween. We try on alter egos like we try on our retirement dreams. How do you see yourself in the future? What does your lifestyle look like twenty or thirty years from now? Is the picture scary or a fairy princess photo?
As a parent we are cautious about the candy our kids bring home. We want to go through and examine it before they eat it all. Sometimes we even pick out our favorites don’t we?! This degree of caution extends to your personal financial planning. Like being cautious while having fun on Halloween you should stay cautious and aware when it comes to your finances. Don’t fall for the supposedly free dinner invitations that frequent your mailbox. Don’t get caught up in phone solicitations. Don’t be tricked into giving out your social security number, birthdate or other information via an email scam or phone scam. Check out the people you are thinking of doing business with beforehand. What are their credentials, experience, and objectivity?
Finances are one thing that should not celebrate Halloween! You want your financial picture to be real world with no smoke and mirrors. Being cautious about your finances is a smart and spooktacular Financial Strategy for Life. No tricks, all treats!