You want to get your financial life on track?

We are lucky enough to have some of the best insurance agents and financial advisors at our disposal (they form our board). So we thought we put them to work for you. We asked them: "What is your best advice for helping someone get their financial lives back on track or on track" And here's what they had to say:

The economy was hard on almost everyone. We had to cut things here and there. take a look at what you spend on a daily and weekly basis, keep a diary of expenses. you might be surprised at how much money you could save if you take your lunch to work a few days a week or make your own coffee in the morning. Then create an appropriate budget. Include in this budget how much you could save for the things that are really important. and remember to review your budget regularly to keep you on track. -Cindy Gentry, CLU, CHFC, LUTCF

save ... save ... save! No matter how hard it is in the world of today, it is important that you start and maintain a stable economy program, even if it is just a small amount for now. No one has ever regretted save money. -Ronald B. Lee, CLU, CHFC, CLTC

We spend more time planning a vacation than we keeping our financial lives on track. Get your "home" in good financial order with a budget by keeping track of your monthly expenses compared to your monthly income. Your goal should be to have money left over at the end of each month. If so, you are on the road to financial fitness. There will be bumps in the road, but as long as you maintain a balance limit expenses with the understanding of your income, and knowing that you can not spend more than you earn, you'll be on track in no time . -Robert N. Garneau, CLU, CHFC

It's time for a "financial physical." You can "feel" financially well, but on further analysis by a qualified professional, you can determine you jeopardize your financial future. You get a physical check to feel confident that you will not put your health at risk. Is not it logical to give the same respect to your financial health, too? "-Clarke Langrall, Jr., CEPA

Many people make plans for their holidays in the beginning of the year. How about spending some time making plans for your retirement or what happens to your children if something happens to you? -Michael L. Weintraub

Make a budget! most people do not know how and how much comes out. so they can never get a handle on the amount of "discretionary" income they have to ... spend, save, invest or buy insurance. If you do not know where you are, you will never be able to understand how you can go anywhere elsewhere! -Brian H. Ashe, CLU

Having a financial advisor to review your tax return. She can advise you if a tax-deferred annuity would reduce your taxes, for example. It can also provide advice on life insurance loans and / or dividends, and answer questions such as: Do you maximize the tax benefits of your policy? Would and long-term political benefit of care you and your heirs? -Patricia L. Krarup, CLU, CHFC, MSFS

Let us know what advice resonated most with you.