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Financial New Year's Resolutions December 18, 2018

According to a recent study by Principal Financial, the top financial new year’s resolutions Americans make include saving more money, paying off debt and building an emergency fund. We’ll talk about each one individually!
These are all good resolutions, but how do you put them into action? The one thing that all resolutions, or goals, have in common is that you need a plan in order to achieve them. And, in order to make a plan, you have to know where you’re starting from. You need a roadmap to get where you’re going, but knowing your destination won’t help you get anywhere, if you don’t know your current location. So, let’s create your financial picture and customized spending plan! 


Step by step action plan to creating your current financial picture & customized spending plan
Benefits of budgeting high for expenses & low for income
How to break bigger goals into smaller, manageable goals
Figuring out how much you can save, while still covering your monthly expenses
Hazards of using a money windfall to pay off debt
Benefits of an adult allowance
Living on a tight budget to hit a financial goal is not forever!

Determining your best debt payoff method
The power of focusing on one debt at a time
Finding “extra” money to put toward your debt payment
Building an emergency fund & what constitutes an emergency
Refocusing your money to hit your goals

Small dollar amounts can add up to big numbers!
Give yourself a rent increase...and save it!
Breaking the paycheck to paycheck cycle...in small steps 

Links and Resources