The new year is almost upon us, so it’s time to make some resolutions about managing your money better than you did before. If you’re ready to make changes to your personal spending habits, here are just five tips for financial success in 2019.
1. Track Your Spending
How much do you spend on coffee every week? How many money is going down the drain because you have to pay late fees for all of your bills? These numbers might shock you once you actually keep track of them, and the shock might motivate you to change your ways.
2. Pay Off Your Debts
It’s easier than you might think to clear away some of your debt. For example, many debt collection agencies are willing to work out payment plans with very small monthly bills if you can’t afford to pay everything at once. You can get on top of these collections instead of letting them fester.
3. Cut the Cord
If you’re still subscribed to unnecessary cable services, it’s time to cut the cord. You can find everything that you need among the dozens of digital streaming platforms that populate the web. Some of them are even bundled together so that you never have to miss your favorite shows.
4. Clip Coupons
Never underestimate the power of coupons. Their savings might seem small, but when you use them consistently, they’ll really add up in the long run. You can also find all kinds of exclusive deals and discounts from your favorite brands when you become a smarter shopper.
5. Talk to a Lawyer
If your financial problems go deeper than what you can solve on your own, don’t hesitate to reach out to an expert. They can help you make sense of all of your bills and figure out what you’re going to do next. For example, a good bankruptcy lawyer in Pittsburgh might be exactly what you need to start over.
These are just a few tips for managing your money in 2019. Are you ready to transform yourself in the new year? Start with your bank account.