4 Finance Tips to Get 2015 Started RightBy Brian Gilliam

✤ It’s that time, early January 2015, which means it time to start making some New Year’s resolutions. !

✤ Many people make financial resolutions to improve their spending and save more money. !

✤ Here are 4 tips to help you end 2015 flush with cash…

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#1: Keep Track of Your Spending

✤ The easiest way to hold yourself accountable for your credits and debits is to track your spending.!

✤ Not only will keeping track of your spending show you were your money is going, it will make you less tempted to spend.!

✤ With new apps like Mint.com and Spendbook, it’s easier then ever to track your spending.

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#2: Create a Budget

✤ Many people find it frustrating to stick to a budget, but it can be super easy to help keep your spending in check. !

✤ Pay yourself first, allocate your money to your consistent expenses, and use the rest for discretionary spending.

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#3: Pay Down Credit Card Debt

✤ Hopefully you have no consumer credit card debt, but if you do like many Americans, your first goal should be to pay down the debt with those big interest payments. !

✤ If you have been a good consumer with timely payments, it might be worth asking your Credit Card to reduce your interest payments.

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#4: Focus on Retirement

✤ Contribute to your IRA ok 401k to help plan for your future. !

✤ Consider setting up an automatic transfer to make planning for your retirement even easier.

Thank you for watching!

–Brian Gilliam