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For Many Americans, Financial Resolutions Begin in April


From Spending Those Refund Checks to Planning Smarter, Savvy Ladies Offer Common-Sense Advice for New York Business Owners.

New York, NY, January 16, 2009 --(PR.com)-- Most people think of January 1st as the time for resolutions. Savvy Ladies, however, sees April 15th as the date they see women turn a new leaf to achieve their financial goals.

Savvy Ladies is a non-profit organization dedicated to empowering women through financial education. They conduct over 30 seminars a year with a newsletter and hotline providing women with unbiased information on managing their personal finances and maximizing their business earnings.

“Tax time is often the only time of the year when a lot of people sit down and look at how much they’ve earned, and how much they’ve been able to save,” Stacy Francis, founder of Savvy Ladies and a Certified Financial Planner™, observes. “It’s a bit of a shock for many to see how much cash slips through their fingers every month.”

For businesses eager to save in 2009, Francis says there is no time like the present to resolve to “get smart” about their money.

“There are two main areas you should look at in a new way if you want to save money,” she counsels. “Your day-to-day office spending is one, and long-term capital spending is the other.”

Savvy Ladies suggests gathering all the office bills together and evaluating where you are spending money. “The main expenditure for most businesses is information technology. Luckily, there is a lot of competition out there now for basic services like phone, internet and mailing service. Sometimes, consolidating those services can result in savings.”

Savvy Ladies also advises their members with small businesses to evaluate their true needs and get rid of products and services with high cost and little profit. “A lot of businesses don’t do enough research to figure out what they truly need,” Francis says. “While a new beautiful office space might be nice,” she continues, “it is not necessarily needed in order to run your business effectively. There are businesses that end up wasting a lot of time and money on things that are not in their best interest.”

And finally, Stacy Francis urges everyone to give careful thought to how they spend those tax refund checks. “If you are carrying credit card debt, use the refund to help get it whittled down. Don’t use it for a vacation! Your first priority is to pay off debt. Leftover funds can be used to develop your business or to increase your savings.”

For more money-saving tips, go to Savvy Ladies website at www.savvyladies.org.

About Savvy Ladies: Savvy Ladies is a 501(c)3 non-profit organization dedicated to helping women in their quest for financial independence. The monthly newsletters, seminars and teleconferences foster a sense of community and are designed to educate, to amuse, and to fulfill savvy women who want to take control of their financial future. Savvy Ladies has partnerships with some of the top businesses in New York who offer financial and logistical support for the organization.

Stacy Francis, founder of Savvy Ladies and a Certified Financial Planner™, began the organization because she felt that the financial planning industry did not meet the needs of women. Savvy Ladies is expanding and has over 2,000 subscribers and well over 100 members. Savvy Ladies members typically hail from New York and the tri-state area. Most Savvy Ladies are business-owners or hope to become entrepreneurs with the help of Savvy Ladies seminars and workshops.

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Contact Information
Savvy Ladies
Stacy Francis
646-216-8988
Contact
www.savvyladies.org
stacy@savvyladies.com

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