2018 Financial Resolutions
2017 goals were okay… but this year has to be different! Money can no longer control our lives because in 2018 we will control our money even more!
- Take advantage of discounted opportunities. Save yourself money when you can. Stop volunteering to spend more money than you have to. SAVING WHEREVER YOU CAN IS IMPERATIVE. Whenever you are offered an opportunity, Take it. You can’t afford not to. Every decision matters. Every opportunity to save may seem small individually… but could you imagine how much you would’ve saved if you capitalized on every opportunity in a year? You would save thousands! There are efforts you can take to assure savings. When the job offers lunch, save yourself $10. Stop drinking the coffee from Starbucks and switch to the office special. Transportation: Estimate the amount of trips you take monthly and pay for a bulk pass, do not pay per trip. Aim to fill up at lowest priced gas station. Pay your car insurance premium upfront. All of these things start to add up! Stop leaving money on the table!
- DO something new financially. What will you do this year that’s different from last year? Save more money, try buying a savings bond, educate yourself on CD rates, teach yourself how to buy and sell stocks, start your 401k or even better…start your business. Wealth is waiting! When you drag your feet or make excuses…. you only delay it from being achieved! Resources of Wealth are right here in front of you!
- Cut off something unnecessary. Budget your utility bills to the T. Eliminate the cable bill. Try out an alternative to cable such as Netflix, Hulu, Roku, Amazon Firestick etc. Stop paying transaction fees and surcharges when paying your monthly bills. Pay your bill directly or use bill pay and save an extra $15 a month ($3 per bill on average). You have the rest of your life to pay bills… It’s not a good idea to pay more than you should.
- Take a crack at your DEBT! It’s imperative that you knock it out.. Pay something toward your student loans, pay down a credit card, get rid of that car note! Reduce your mortgage payment by refinancing. Set yourself in a better position to have more available funds. This year, it’s time to do more reading and research. There are products, laws, and regulations in place to help you save. For example, cash back credit cards yield you free money. Some Auto loans offer lower rates for auto deduction. For Real Estate, you may be able to find a cheaper insurance premium for your home, qualify for an exemption on taxes, or even remove mortgage insurance all together due to the loan to value ratio of your home. For more info, read 5 ways to reduce your mortgage payment. By doing so, you are making sure you are financially healthy in the long term which is just as important as now. Don’t set yourself up to fail at a later date. No one wants to live Paycheck to Paycheck!
- Organize yourself. Your finances may be in disarray because you aren’t organized. You don’t know whether you’re coming or going… or should I say earning or spending. You should know the average or the sum of all of your bills as well as you should have an estimate of your income . Separate your expenses from your excess cash permanently. This will help you to clearly see what you can spend.
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This year will be all about getting started! Every year you should be competing with yourself … trying to get better results than the year before.. year after year. So how will you out-do yourself in 2018?