Russell Nichols
Director, Editor, and Writer in San Francisco, California
You need to assess the balance your portfolio each year. Re-balancing your portfolio annually will align the mix of your investments in line with your goals and risk tolerance. It will also let you to track your investments.
Make sure to budget and track money on for a couple of weeks or even months to get a better understanding of your spending habits.
New laws state that you may have to spend a minimum transaction amount on credit card.