5 Simple Ways to Save: Tips from Author and Finance Expert Al Gobo

Image courtesy of Finances Online.

In October, I interviewed Altair M. Gobo, certified financial planning professional and partner at U.S. Financial Services, LLC about his book, Getting to the Green: Golf, Financial Planning and Life, Not Necessarily in That Order. One of the things that stood out from that interview was how easy it is to plan for the future.

Recently, I sat with Gobo for a video chat about planning long-term for health care costs, paying for college and for vacation. Here are 5 simple saving tips I learned:

1. Plan as early as possible for future expenses  

Even though we factor in the costs of living when planning for retirement, we often don’t factor in the costs of getting sick.  While some may have health insurance that will follow them into the retirement years, most will rely on Medicare plans to help pay their healthcare expenses. Furthermore, we also may be charged with the healthcare expenses of elderly parents as well.

2. Best time to save for college for your children is when they don’t need it

Putting money away regularly in a college savings plan when your children are young is best. Look at projected costs to determine how much will need to be saved. Chances are what we pay now will not be what we play in the future.

3. It is never too early to teach our kid about financial responsibility

Helping a child to become financially literate is important so they not only learn the value of a dollar, but also to help them get in the habit of learning how to establish a budget, work toward a goal and employ some of the best practices that will follow them into adulthood.

4. Diversify your investments

Investing depends on what your long term goals are, but you always diversify your investment portfolio with a combination of high, medium and low risk stocks. Seek a professional to guide you through the process, it is easier than you think.

5. Cut back on certain unnecessary expenses

Cutting back on certain unnecessary items and saving that money can yield big rewards. A six dollar cup of coffee daily at five days a week is $30 a week.  In a year that’s $1,560. If you save that for 10 years, you will have $15, 600 saved minus any interest earned. That’s a year’s college tuition (less room and board) at most state colleges and universities!

Planning for the future does not have to be a daunting task. It is relatively easy and is all a matter of perception. Having a copy of Getting to the Green is also a big help. Gobo make your budget easy to understand. This is a great gift for the holidays if you or someone you love is looking to start 2018 off on the right foot financially.  You can also pay it forward as all proceeds from book sales will go to charity; you can help yourself and help someone else this holiday season.


Read a preview of Getting to the Green, buy a copy and share to social media:


Altair M. Gobo, CERTIFIED FINANCIAL PLANNER™ professional, is a partner at U.S. Financial Services, LLC. Altair has served on the board of directors of the Northern New Jersey Chapter of the International Association for Financial Planning as president and chairman. He has also served as an adjunct faculty member, faculty coordinator, and academic advisor for Fairleigh Dickinson University’s Financial Planning Program. In addition, he has served on the board of directors of Fairleigh Dickinson University’s Financial Services Institute. Altair has authored the book Getting to the Green, several published articles and has made guest appearances on CNBC, NBC, ABC, MSNBC, Fox News, Fox Business News, Bloomberg, and CNN.


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Aisha K. Staggers

Aisha K. Staggers has been writing since middle school. She had her first major publication in her local newspaper’s entertainment section while a sophomore in high school, a publication in another state paper followed. Aisha has been contributing to various paper, magazines and textbooks for over 15 years. In addition to her time as an instructor of social sciences in higher education, Aisha has served as a director of education and policy research centers, and on the staff of legislative commissions. Aisha previously served on the Executive Board of the CT Young Democrats Women’s Caucus and has remained active in politics and public policy. She is an alumni of Albertus Magnus College in New Haven, CT and Fisk University in Nashville, TN where she earned Bachelor’s and Master’s Degrees, respectively, and completed the South Carolina Education Policy Fellowship Program in 2008. Currently, Aisha is Senior Editor for BookTrib, a division of the literary public relations firm, Meryl Moss Media. In addition to her own work, Aisha will be writing the liner notes for an upcoming Prince tribute album and contributing a chapter to a 2018 scholarly work on Prince and the Minneapolis Sound.