With 2016 coming to an end, it’s time for you to plan a New Year’s Resolution! If you’ve been needing debt management help so you can start this year off on the right foot, here are three ways you can enjoy a more financially sound lifestyle in ’17:
- Use a calendar to organize your finances by marking off which day each bill is due every month. If you’ve never put together a system to help you prepare for every monthly payment, then it’s only natural to get stressed out considering how scattered everything is. You shouldn’t have any problem designating when you’ll need to pay all your bills, since they’re typically mailed out around the same time every month. From cell phone, cable and electric bills to student loans, car insurance and rent, use a calendar to plan accordingly and to also avoid surprises. If you want to learn more about how to better handle your money, contact the professionals at Quality Credit Repairone of the best debt counseling agencies around.
- When you buy things with cash instead of plastic, it registers in your mind how much money you’re spending on something. With the convenience of credit/debit cards, it’s easy to make purchases without fully realizing how much money you’re spending. When you carry cash, on the other hand, you touch and feel the bills before completing each transaction—instead of simply swiping. Using cash allows you to develop smarter spending habits, since your wallet is immediately impacted every time you buy something.
- One thing that you should do more often is take advantage of specials, promotions, discounts and other deals. A little more research, and especially patience, is usually required to find the best bang for your buck; but, in the long run, it’ll save you a lot of money that you can use to buy other things. For example, if you see a pair of shoes in the mall that you really like, you should first check to see if there are any deals online first before you make the purchase. Or, when you go grocery shopping, make sure you bring coupons and scout out the items that are on sale. When you’re trying to be more financially conscious, it’s always the little things that matter most!
Take a smarter approach towards handling your money in ’17 to enjoy a much more financially sound lifestyle!