Frugal New Girl
Is Poster Child For Savers
in 2012, Zooey Deschanel,
who played the mini scooter riding bad girl alongside Jim Carrey in 2008's
Yes Man, filed for divorce from Ben Gibbard, the lead singer of Death
Cab for Cutie. They were married two years.
divorce filing is a public document
the following numbers
finances could be found at TMZ.com. How do you think she is doing with her
budgeting and savings?
Zooey -- who stars in "New Girl" -- makes an average of $95,000.00 a month
-- Her expenses average $22,550 a month
-- She has 3 credit cards ... AmEx, Visa and Mastercard, all of which have
a 0 balance.
-- She has $1,578,000 in the bank
-- Zooey has an additional $1,645,000 in stocks, bonds, etc.
-- Zooey has real and personal property valued at $693,300
From the divorce filing papers
also copied these monthly living expenses as listed by Zooey:
$1,000.00 for groceries
$500.00 eating out
$300.00 for various phones and internet access
$600.00 for laundry services
$2,000.00 on clothing
$1,500.00 on charitable giving
As far as her monthly budgeting goes she is doing quite well and really
should be applauded for her conservative spending habits and her excellent
saving and investing habits. However, what isn't listed here?
Budgeting and saving are first steps. What are some next steps?
There is no mention about
insurance protection. One
insurance many people tend to forget about, particularly younger
Zooey, is disability insurance. Accidents
and illness can happen to anyone regardless of age. Disability insurance
provides replacement income while the insured is unable to work.
Zooey did state that she has $1,645,000
in various investments such as stocks and bonds. However, are these
investments properly managed in order to take advantage of any tax breaks
available to her? Another common oversight investors make is the amount
they spend on transactional and management fees.
Zooey is only 32, but consider these incredible difference early
retirement savings makes in the long run. Just look at
estate planning includes: 1) Wills, 2) Side letters of instruction
3) Powers of attorney for property 4) Durable powers of attorney for
health care 5) Living wills or advance medical directives and 6) Do not
resuscitate orders. Given what Zooey is currently going through she may
also want to consider a prenuptial agreement should she ever remarry.
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