Helping to care for the
people you love!
Name: Silver Lining Home Health Care*
Width: 5.5 in
Depth: 5.5 in
Color: Black plus one
Comment: JE - Healthy Wealthy Wise
Ad Number: 00092879
Flexible schedule
Care for anyone
recovering from
surgery or illness
Short- or long-term
Hourly, daily, or
live-in schedule
PA State Licensed
Caregivers are bonded and insured
215-885-7701 www.slhomecare.com
Name: Oppenheimer & Co. Inc.

Width: 5.5 in
Depth: 5.5 in
Color: Black plus one
Comment: JE
Ad Number: 00093316
Financial advice
from a
knowledgeable neighbor.

E. Matthew Steinberg
Managing Director – Investments
(888) 800-1152
matthew.steinberg@opco.com Serving Investors in
Philadelphia and South Jersey
for 27 Years.

Clients able to invest a
minimum of $500,000 are likely
to best utilize our services.

This material is not a recommendation as
defined in Regulation Best Interest adopted by
the Securities and Exchange Commission. It is
provided to you after you have received Form
CRS, Regulation Best Interest disclosure and
other materials. ©2021Oppenheimer & Co. Inc.

Transacts Business on All Principal Exchanges
and Member SIPC. 3414611.2
18 JANUARY 28, 2021
JEWISH EXPONENT
Healthy, Wealthy
Track Income,
Expenses for
Financial Health
SOPHIE PANZER | JE STAFF
ANGELIQUE BUCHANAN
has a weakness for Starbucks.

“My husband and I made an
agreement that I would only
get Starbucks twice a week. I’m
trying to get him to potentially
go to three or four,” the branch
manager of Citizens Bank in
Fairless Hills said during “Your
Income and Expenses,” a fi nan-
cial literacy webinar hosted by
JEVS Human Services.

She brought up her expen-
sive caff eine habit to make a
point: She didn’t realize how
much she was spending until
she forced herself to cut back.

“I’m saving about $20
a week. Th at’s a big deal. I
mean that’s $80 a month, $100
a month,” she said. “I’m just
putting that money into our
savings account every day I
don’t get a Starbucks.”
During “Your Income and
Expenses,” Buchanan covered
how to keep track of money
and expenses, including
diff erent types of income,
taxes and bills. Understanding
one’s income can be especially
tricky for freelancers, seasonal
workers and workers with side
hustles because money comes
in irregularly. Th e rise of
online commerce also means
that anyone, including salaried
workers, can make irregular
or unpredictable income by
selling items on platforms like
Facebook Marketplace.

Common fi nancial wisdom
holds that making a budget
is the best way to keep track
of spending and saving, but
Buchanan recommended
taking it a step further if you
struggle to stay on top of your
fi nances. An expense diary, or
written log of your spending
habits, can be helpful for
people looking to fi nd areas
where they can exercise more
fi nancial control.

Keeping track of payments
can help spenders avoid fees,
loss of services and damage to
credit as a result of paying bills
late. For those who pay their
bills by mail, recent delays at
the United States Postal Service
make it especially important to
be on top of payment schedules.

Buchanan recommended
fi ling taxes as early as possible
this year. While this is gener-
ally sound advice, it’s especially
important for those counting
on a tax return for 2020.

“I’ve been seeing and
hearing a lot, with everything
going on with the impact
payments and the stimulus
payments, and they are saying
that the IRS is a bit lagging,”
she said.

The ultimate goal in
tracking income and expenses,
she added, is making sure your
fi nances align with your goals
and values, whether it’s paying
off debt, saving for emergencies
or buying a new car.

“Your Income and Expenses”
was part of a series of fi nan-
cial wellness seminars created
by JEVS and Citizens Bank.

When JEVS sought a partner
to help host the programs, it
reached out to the bank, with
whom there’s a longstanding
corporate partnership, to see
if there were volunteer experts
who could help. Th e two groups
worked together to build the
curriculum. “Th e goal of the sessions was
to provide important fi nancial
literacy information to our job
seeking clients,” said Kristen
JEWISHEXPONENT.COM



Name: Goldstein’s Funeral Home
Width: 5.5 in
Depth: 7.38 in
Color: Black plus one
Comment: JE 1/28 Special Section
Ad Number: 00093290
& Wise
Leave behind a gift that your family could never repay
Providing funeral counseling and pre-need arrangements
Tracking income is important for tax season.

Photo by 401kcalculator.org licensed under CC BY-SA 2.0.

Rantanen, senior vice president
of communications and public
aff airs at JEVS.

Topics of other webinars
in the JEVS series included
protecting identity to reduce
the risk of senior fi nancial
exploitation, disaster prepared-
ness and recovery, building a
credit score and the pros and
cons of owning a business. Two
sessions were designed specif-
ically for the needs of people
55 and up, but were open to
the general public regardless
of age.

Most of the topics are
relevant at any time, and JEVS
has off ered similar sessions in
the past. However, Rantanen
said JEVS wanted to off er the
sessions now because fi nancial
issues oft en go hand-in-hand
with unemployment, a result
of the current economic crisis.

“Many in our community
are struggling with job loss and
facing fi nancial hardships right
now,” she said.

Rantanen said the webinars
were part of the JEVS mission
to help job-seeking clients,
who oft en face other fi nan-
cial challenges along with
unemployment. “Over the years, we have
found that clients have needs
beyond the specifi c challenge
that brought them to JEVS
JEWISHEXPONENT.COM in the fi rst place,” she said.

“We have staff in many of our
programs that help clients
connect to public benefi ts, help
with budgeting, understanding
the importance of credit and
savings and other fi nancial
empowerment issues.”
Th e last JEVS webinar, which
is about owning a business is at
noon on Feb. 4. Registration is
at jevshumanservices.org/
fi nance0204. ●
Pre-planning a funeral is a gift. Anyone who has ever lost a loved one
knows how hard it is to make decisions at a time of grief. Let your family
know your wishes, don’t burden them with the costs of a funeral, and allow
them to celebrate the life you lived. Our experienced funeral directors can
guide you through the process, and assist you in making tough decisions.

PHILADELPHIA CHAPEL
Carl Goldstein, Supervisor
6410 N. Broad Street
Philadelphia, PA 19126
SUBURBAN NORTH CHAPEL
Bruce Goldstein, Supervisor
310 2nd Street Pike
Southampton, PA 18966
ROTH-GOLDSTEINS’ MEMORIAL CHAPEL
Stephen T. Collins • Mgr. Lic. No. 3355
Pacific & New Hampshire Avenues
Atlantic City, NJ 08401
Southern NJ Chapels Available
Caring. Committed. Compassionate.

www.GoldsteinsFuneral.com 215-927-5800 • 1-800-622-6410
spanzer@jewishexponent.com; 215-832-0729
For deaf and hard of hearing: 267-331-4243 (Sorenson VP)
LANA R. PINKENSON CSA
Name: Lana Pinkenson
Width: 3.625 in
Depth: 3.62 CERTIFIED
in SENIOR
Color: Black
Comment: JE-Financial Health
ADVISOR • nI c o m e T a x
Preparation Name: Rothkoff Law Group
Width: 3.625 in
Depth: 3.62 in
Color: Black plus one
Comment: JE 1/28 Healthy,Wealthy Wise
• Tax Planning
• Retirement Planning
Serving The
Tri-County Area For Over
35 Years
• Estate Planning
• L o n T-g
m C era
And Life Insurance
2884 Old Lincoln Hwy.

Trevose (215) 677-3334
JEWISH EXPONENT
JANUARY 28, 2021
19