La pandemia afectó tu economía. Esto debes hacer

It is known that agency reports contain a number of errors. If you find any, make the claim. First, contact credit bureaus and financial services companies that may have provided the wrong information (the CFPB has a good guide on how to do this).

And when it comes to your tax return, it never hurts to organize all tax data in the last few months of the calendar year. It is a record of your recent past and a window into your long-term future (e.g. through a retirement plan). The process can also serve as a reminder that, in the present day, there is often at least one more thing you can do to help you while giving less money to various government agencies.

Prepare now and you can file your tax return ASAP in 2022 and get a refund that suits you quickly. A word of caution: Donna Trainor, an Atlanta-based financial planner and accountant who has done extensive pro bono work with people at risk of losing their homes, fears that recipients of the new monthly tax credits may not realize it is a kind of advance payment. If you get it now, it means you may not get the same amount of tax back as usual, so you’ll have to deduct that expectation from your 2022 budget.

Now let’s talk about how you are feeling.

Even for those used to financial uncertainty, the pandemic may have exacerbated the catastrophic thinking that can affect your ability to plan and prioritize.

In Hollywood, theater workers like our financial mentor Stephen were often paralyzed with fear even when they were successful, said Leighann Miko, whose financial planning firm often works with people jumping from job to job.

“The fear was that it would take a lot longer for the situation to improve,” said Miko. “People thought they had to find another job.” What they actually wanted to avoid was what she called “Plan Z,” which are previous jobs in various industries that they hoped they would never have to take again.

Miko sees some kind of psychological scar in people around her, even people who make $ 600,000 a year. Yes, I know poor people, but they know very well that even without a pandemic, they always run the risk of having a year on just $ 30,000 in income. To help those who cannot imagine doing anything other than their dream job that they fought so hard for, Miko forges plans and strategies and tries to get them to follow them.

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