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…
01
#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.
01
#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.
01
#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.
01
#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