J.R. Whalen

speaker

37,077 appearances 1,141 recordings 1 series first heard Sep 2017 last heard Jan 2025

J.R. Whalen’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · Money Moves for the New Year: Saving Up for a Big Purchase · 26 Dec 2024 podcast

Your Money Briefing listener and small business owner, Sally Doty, is ready to splurge on a project that she and her husband have wanted to take on for years, some home renovations. voice-verified

She's 34 years old and lives in Pierre, South Dakota with her husband and three dogs. voice-verified

They love hosting family and friends, so a new outdoor deck and siding is on their list. voice-verified

Getting the money together for a home renovation project is a huge undertaking. voice-verified

So when should you start budgeting? voice-verified

And how can you stay on track to have enough money put away? voice-verified

I asked Mark Reyes, a certified financial planner. voice-verified

Mark, what are the first steps Sally can take to manage this project? voice-verified

When someone is saving for a purchase that's, say, over $10,000, how do you suggest that they create a budget for that? voice-verified

So if someone is looking to do something like this in 2025, what are some ways they can build up the savings? voice-verified

What are some big-ticket items that you hear from your clients that they typically save up for? voice-verified

Once you've reviewed your finances, how can you stay on track to afford the home remodel, wedding, or any big purchase on the horizon? voice-verified

It all starts with a good estimate. voice-verified

Mark will be back with us to discuss how you can plan out your payments, avoid missteps, and sustain your finances to see your project to completion. voice-verified

That's after the break. voice-verified

If 2025 is the year of planning for a big expense, then making a flexible, comprehensive budget is key. voice-verified

To talk about how to do it, we're back with Certified Financial Planner Mark Reyes. voice-verified

Mark, what if someone's planning to take on a big project, but they're not sure how much it's going to cost? voice-verified

How about projects that wouldn't involve a contractor, like a car repair or a wedding? voice-verified

How can you get a good estimate for that type of project? voice-verified

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