Every year offers a unique opportunity to save money. If you're like most shoppers, you're watching your budget in January after a season of holiday shopping. The following tips are creative ways to help you get your finances back on track in 2020.
- Envision the end from the begining
Start the year with the end in mind! Decide what you want to achieve personally, physically and financially in 2020 and set daily, weekly and monthly goals aimed at your end goals.
- Plan
Having a goal without a plan is merely a being wishful! Set up a budget to serve as the plan on how you are going to spend and save your money. A budget is a great way to keep track of your expenses and determine how much you have for expenses, savings and discretionary spending.
- Aim to become Debt Free
Calculate your total debt and decide how and by when you are going to pay it off. Start working towards eliminating your debt by paying as much as you can on the debt with the highest interest rate.
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