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MERRY SALES AND SAVINGS!
Give Your Kids the Gift of Wealth - Page 3
From their Home to Yours - Page 3
May all your Christmases be Bright - Page 4
Transform Your Everyday.
DECEMBER 2022
OCTOBER 2022
FINANCIALLY WISE
4 Tips to avoid blowing out your savings this festive season Christmas comes every year and, like Mariah Carey, for some of us, it’s our favourite time of year. From pixie gifts and office parties to family gatherings and fruit cake, there’s always a lot to enjoy. However, even as the season gets festive it’s a good time to remember that the mix of warm fuzzies and end-of-year bonuses can be dangerous for your pocket, if not used wisely. Here are some strategies for enjoying the season, and still coming out on the other side even closer to your goals with money in the bank and no post-holiday money hangover: Pay yourself first – Always tuck a little money away for your monthly savings. A set percentage of your income should go straight to a savings or investment account before you pay for anything else. This golden rule will ensure you keep moving in the direction of your goals. Cover the necessities – Put aside cash for utility bills and your other regular expenses next. What remains after this step is the maximum amount you potentially have left to spend on your other holiday expenses – your budget. Make a list and check it (twice) – Create a list of everything you plan to purchase over the next few weeks, making sure to include gifts, entertainment, and travel. Research prices of items listed and indicate the estimated prices of each. It is best to check the same item at two or more locations to get the best deals and look out for discounts and discount coupons for online shopping.
Get creative – Do DIY activities to cut costs. Pooling resources with family or friends can also ease some of the financial strain that can come up during the season and allows everyone to be invested in the activities. And don’t forget that your VMBS Credit Card can help you save money while you shop, as you get cash back and travel returns, which can be useful and quite timely in the new year. Amidst the frenzy of online sales and exciting live events, it can be tempting to make financial choices based on ‘vibes’ during this season of good cheer, which, many times result in impulsive spending. However, if you spend with an actual budget in mind, instead of the amount of money in your account, you could avoid postholiday regret.
PRODUCTS AND SOLUTIONS
Give your kids the Gift of Wealth Every year we go the extra mile to make our kids smile with lots of gifts for Christmas, many of which they eventually outgrow. How about a gift that grows overtime to ensure financial security for a lifetime? Why not start a Unit Trust at VM Wealth today, and have your child reap the benefits in the years to come? Here’s how you can get an account started for your little one: Open a VM Wealth Unit Trust account with an investment as low as $10,000 JMD and top up monthly via salary deduction or online bank transfer. Your child’s life can be nice and easy when you invest in any of our 8 top performing Unit Trusts. And not to worry, our expert wealth advisors will manage the portfolio, so that your child has the best start in life. Call (876) 960 5000 to speak to a wealth advisor to figure out the best option for your child or visit vmwealth.myvmgroup. com for more information on our VM Wealth Unit Trusts. VM Wealth Management
Normalize Raising Rich Kids!
From their Home to Yours Have a stress-free Christmas for you and your family at home from miles away, through VMTS! Send money directly to the bank accounts of family and friends with our Direct to Bank solution, using any of our remittance partners: Xoom, Money Gram, RIA, WorldRemit, Choice, and NSC e-Money Services. Recipients can sign up for direct to bank account deposits online at vmmoneytransfer. myvmgroup.com and funds will be sent directly to their bank account. Your loved ones can be merrier this Christmas with no lines, hassle free and convenient service, and the power to use their debit cards to withdraw money or pay at any point of sale. VM Money Transfer Services
May all your Christmases be Bright!
Time flies, make sure you can!
Christmas is the season when we travel to see our loved ones locally or overseas, to share special moments and create new memories. These moments are what carry us through the new year and keep us connected with the people we cherish the most. Enjoy this and many Christmases to come when you open a Prime ARS with VM Pensions Management. Starting your retirement savings today will ensure that you have the freedom to do what
iLive
you want, travel wherever your loved ones are during the season, as well as the resources to maintain your health, so that you may never have to miss out on family time in your autumn years. We have also made accessing your portfolio even easier with our Approved Retirement Scheme Portal. Keep
your
Christmas
travelling
and
traditions going with a Prime ARS. Call us at 876-754-7265 or send an email:
iWin PROMOTION MAY 2, 2022 - DECEMBER 23, 2022
UP TO
$2,870,000 IN PRIZES TO BE WON
Conditions Apply.
ars@myvmgroup.com for more information. VM Pensions Management
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876-754-8627 myvmgroup.com
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Transform Your Everyday.
Transform Your Everyday.