As the year comes to an end, you may be starting to think about all you want to accomplish in the new year. If you’re like most, some of your resolutions probably include either breaking an old habit or starting a new one. Whether your goals consist of losing a certain amount of weight or getting out of debt, the key to success is starting small.
Much of what we do day-to-day is driven by habit. Like with other bad habits that could bring you down, bad financial habits can also cause harm and frustration. Whether it’s paying thousands in interest or fees, having zero cash for emergencies, or damaging your credit score, poor financial habits need to be addressed and corrected.
Setting and achieving goals is important in all areas of your life, whether financial or not. The challenge is not so much in creating goals but actually fulfilling them. Whether it’s a New Year’s resolution or a random Tuesday, starting on the path of a new goal is much easier than making the trek to the end.
Spring cleaning your home is probably not new to you. You declutter the garage, clean windows, wipe down baseboards, clear out your basement, and more. But, what about your finances? It pays to spend some time spring cleaning your finances too. Below are seven ways to get your finances in order.
You probably have some type of financial goal you’re looking to achieve. It may be a short-term goal to raise money for a family vacation or a long-term goal of saving a bit from each paycheck to place into a retirement account. In order to reach your goals and prevent them from simply becoming a wish requires you to work at them constantly.
Paying off credit cards can be a bit like doing your taxes. You have no idea where all the money went, and all you want is for the entire situation to be done. The problem is that, like the IRS, a lot of credit card debt is not going to go away overnight.
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