{"id":5224,"date":"2015-01-12T05:39:23","date_gmt":"2015-01-12T13:39:23","guid":{"rendered":"http:\/\/blog.paladinregistry.com\/?p=5224"},"modified":"2024-02-29T07:03:27","modified_gmt":"2024-02-29T12:03:27","slug":"10-personal-finance-steps-2015","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/investing\/10-personal-finance-steps-2015\/","title":{"rendered":"10  Personal Finance Steps to Take in 2015"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignleft\"><a href=\"http:\/\/blog.paladinregistry.com\/wp-content\/uploads\/2015\/01\/personal-finance-10-steps.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"http:\/\/blog.paladinregistry.com\/wp-content\/uploads\/2015\/01\/personal-finance-10-steps-300x200.jpg\" alt=\"personal finance 10 steps\" class=\"wp-image-5234\" srcset=\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2015\/01\/personal-finance-10-steps-300x200.jpg 300w, https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2015\/01\/personal-finance-10-steps.jpg 539w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/figure><\/div>\n\n\n\n<p>Let\u2019s face it, after the holiday season spending spree is finished, most of us feel like our bank accounts are a bit lighter than we\u2019d like them to be.&nbsp; With this in mind, let\u2019s look at 10 personal finance steps you can follow to start off 2015 a little bit better money-wise and hopefully stay with throughout the year:<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_68_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d44768332b6\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d44768332b6\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/10-personal-finance-steps-2015\/#1_Stop_getting_nickeled_dimed_by_everyone\" title=\"1. Stop getting nickeled &amp; dimed by everyone\">1. Stop getting nickeled &amp; dimed by everyone<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/10-personal-finance-steps-2015\/#2_Put_a_budget_in_place_AND_stick_to_it\" title=\"2. Put a budget in place AND stick to it\u00a0\">2. Put a budget in place AND stick to it\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/10-personal-finance-steps-2015\/#3_Put_a_financial_plan_in_place_AND_stick_to_it\" title=\"3. Put a financial plan in place AND stick to it\">3. Put a financial plan in place AND stick to it<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/10-personal-finance-steps-2015\/#4_Eliminate_terrible_debt\" title=\"4.\u00a0Eliminate terrible debt\">4.\u00a0Eliminate terrible debt<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/10-personal-finance-steps-2015\/#5_Get_a_sufficient_emergency_fund_in_place_NOW\" title=\"5.\u00a0Get a sufficient emergency fund in place NOW\">5.\u00a0Get a sufficient emergency fund in place NOW<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/10-personal-finance-steps-2015\/#6_Improve_your_health\" title=\"6.\u00a0Improve your health\">6.\u00a0Improve your health<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/10-personal-finance-steps-2015\/#7_Take_care_of_the_things_you_have\" title=\"7.\u00a0Take care of the things you have\">7.\u00a0Take care of the things you have<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/10-personal-finance-steps-2015\/#8_Be_satisfied_with_what_you_have\" title=\"8.\u00a0Be satisfied with what you have\">8.\u00a0Be satisfied with what you have<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/10-personal-finance-steps-2015\/#9_Avoid_doing_dumb_things\" title=\"9.\u00a0Avoid doing dumb things.\">9.\u00a0Avoid doing dumb things.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/10-personal-finance-steps-2015\/#10_Learn_something_new_financially_every_day\" title=\"10.\u00a0Learn something new financially every day.\">10.\u00a0Learn something new financially every day.<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Stop_getting_nickeled_dimed_by_everyone\"><\/span><strong>1. Stop getting nickeled &amp; dimed by everyone<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>But don\u2019t start doing this to everyone else.&nbsp; Why let stores, friends, family, etc., take advantage of you when it comes to money?&nbsp; Be fair about it &amp; don\u2019t get taken advantage of by anyone.&nbsp; Instead, use coupons, negotiate better deals\/terms, ask firmly but nicely for the money you\u2019re owed.&nbsp; Stop getting the short end of the stick \u2013 you deserve better.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Put_a_budget_in_place_AND_stick_to_it\"><\/span><strong>2. Put a budget in place AND stick to it\u00a0 <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>No sense in going about spending your money aimlessly \u2013 let\u2019s figure out how to better use this green stuff, eh?&nbsp; <span style=\"color: #0000ff;\"><a title=\"Do You Need a Budget AND a Financial Plan?\" href=\"http:\/\/blog.paladinregistry.com\/investing-2\/need-budget-financial-plan\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #0000ff;\">Nothing will help you do that better than figuring out what goes out &amp; what comes in.<\/span><\/a><\/span>&nbsp; No excuses either \u2013 plenty of cheap &amp; easy to use software that can help you create\/track your budget.&nbsp; This way, you can figure out where you\u2019re going wrong money-wise &amp; put a stop to it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Put_a_financial_plan_in_place_AND_stick_to_it\"><\/span><strong>3. Put a financial plan in place AND stick to it<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>See #2 above.&nbsp;<span style=\"color: #0000ff;\"> <a href=\"http:\/\/www.paladinregistry.com\/monitor\/performance-benchmarks\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #0000ff;\">Make sure your investments are doing what they should be<\/span><\/a><\/span> with your goals in mind\u2026whatever those goals may be.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Eliminate_terrible_debt\"><\/span>4.\u00a0<strong>Eliminate terrible debt<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The big-box plastic is probably #1 for most.&nbsp; The only acceptable debts (as long as the interest rates are reasonable) are mortgages, car loans, home improvement loans, and college loans.&nbsp; Negotiate lower rates whenever possible \u2013 no need to pay more interest than you should.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Get_a_sufficient_emergency_fund_in_place_NOW\"><\/span>5.\u00a0<strong>Get a sufficient emergency fund in place NOW<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This way, you won\u2019t resort to plastic when you have one of those \u201cuh-oh\u201d moments.&nbsp; Shoot for 3 mos. of income for starters\u2026if you can get to 1 yr. of income than would be best.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Improve_your_health\"><\/span>6.\u00a0<strong>Improve your health<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Yes, this affects your $!&nbsp; Less money spent on medications\/prescriptions, less doctor\u2019s visits (except your regular checkups), etc.&nbsp; Eating better (you can contact me about this \u2013 I know a thing or two in this area also) and regular exercise (we all have to start somewhere \u2013 even if it\u2019s just taking a walk after lunch and\/or dinner) are truly your financial \u201cfriends\u201d.&nbsp; If you make healthy changes, you will spend less money for all types of insurances going forward &amp; enjoy a better quality of life.&nbsp; We all want that, right?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Take_care_of_the_things_you_have\"><\/span>7.\u00a0<strong>Take care of the things you have<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>No sense in spending $ frequently on big-ticket items.&nbsp; Make them last for a while.&nbsp; Maintenance is key, especially when it comes to vehicles, boats, your home, properties, etc.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8_Be_satisfied_with_what_you_have\"><\/span>8.\u00a0<strong>Be satisfied with what you have<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>No need to play that game called \u201cKeeping up with the Joneses\u201d.&nbsp; Having the latest big-screen TV in every room in your house is not wise if you don\u2019t have <span style=\"color: #0000ff;\"><a href=\"http:\/\/www.paladinregistry.com\/retirement\/retirement-in-america\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #0000ff;\">enough saved for retirement<\/span><\/a><\/span> or for little Suzie\u2019s <span style=\"color: #0000ff;\"><a title=\"529 College Savings Plans \u2013 Are They For You?\" href=\"http:\/\/blog.paladinregistry.com\/investing-2\/529-college-savings-plans\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #0000ff;\">college education<\/span><\/a><\/span>.&nbsp; Prioritize the things that really matter \u2013 delay the gratification instead of having the \u201cI need this yesterday\u201d mentality that gets too many people into financial trouble.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"9_Avoid_doing_dumb_things\"><\/span>9.\u00a0<strong>Avoid doing dumb things.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>What I mean is that lots of people sue lots of people every day, so refrain from giving the sue-happy crowd any reason to come after you.&nbsp; There\u2019s a reason there are a lot of lawyers in the good ol\u2019 U.S. of A\u2026..and, last (but not least)\u2026<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10_Learn_something_new_financially_every_day\"><\/span>10.\u00a0<strong>Learn something new financially every day.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Even if it seems like something minor, the more you educate yourself about financial matters, the better financial decisions you\u2019ll make.&nbsp; Hire a qualified financial professional who values educating you on a regular basis \u2013 this 10<sup>th<\/sup> step (if you hire the right financial advisor) can easily help you with the prior 9 steps!<\/p>\n\n\n\n<p>Happy New Year everyone \u2013 let\u2019s make 2015 a great year!<\/p>\n\n\n\n<p><em><strong>To learn more about Martin Federici, view his <span style=\"color: #0000ff;\"><a href=\"http:\/\/www.paladinregistry.com\/financial-advisor\/dallas-pennsylvania\/Martin.Federici.Jr\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #0000ff;\">Paladin Registry profile<\/span><\/a><\/span>.<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Let\u2019s face it, after the holiday season spending spree is finished, most of us feel like our bank accounts are a bit lighter than we\u2019d like them to be.&nbsp; With this in mind, let\u2019s look at 10 personal finance steps you can follow to start off 2015 a little bit better money-wise and hopefully stay with throughout the year: 1. Stop getting nickeled &amp; dimed by everyone But don\u2019t start<\/p>\n","protected":false},"author":12,"featured_media":5234,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[395],"tags":[],"class_list":["post-5224","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>10 Personal Finance Steps to Take in 2015 - Paladin Registry<\/title>\n<meta name=\"description\" content=\"Let us look at ten personal finance steps you can follow to start off 2015 a little bit better money-wise and hopefully stay with throughout the year.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/10-personal-finance-steps-2015\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"10 Personal Finance Steps to Take in 2015 - 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