{"id":6782,"date":"2015-12-21T08:48:11","date_gmt":"2015-12-21T16:48:11","guid":{"rendered":"http:\/\/blog.paladinregistry.com\/?p=6782"},"modified":"2015-12-21T08:48:11","modified_gmt":"2015-12-21T16:48:11","slug":"financial-resolutions-numbers","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/financial-resolutions-numbers\/","title":{"rendered":"Financial Resolutions by the Numbers"},"content":{"rendered":"

Let\u2019s face it. After the holiday season spending spree<\/a><\/span><\/strong> is finished, most of us feel like our bank accounts are a bit lighter than we\u2019d like them to be. \u00a0With this in mind, let\u2019s look at 10 financial resolutions you can follow to start off a little bit better money-wise and hopefully stay with throughout the year:<\/p>\n

    \n
  1. Stop getting nickeled & dimed by everyone<\/em><\/strong> \u2013 but don\u2019t start doing this to everyone else. Why let stores, friends, family, etc., take advantage of you when it comes to money?\u00a0 Be fair about it and don\u2019t get taken advantage of by anyone.\u00a0 Instead, use coupons, negotiate better deals\/terms, ask firmly but nicely for the money you\u2019re owed.\u00a0 Stop getting the short end of the stick \u2013 you deserve better.<\/li>\n
  2. Put a budget in place AND stick to it. <\/em>No sense in going about spending your money aimlessly<\/a> <\/span><\/strong>\u2013 let\u2019s figure out how to better use this green stuff, eh?\u00a0 Nothing will help you do that better than figuring out what goes out and what comes in.\u00a0 No excuses either \u2013 plenty of cheap and easy to use software that can help you create\/track your budget.\u00a0 This way, you can figure out where you\u2019re going wrong money-wise and put a stop to it.<\/li>\n
  3. Put a financial plan in place AND stick to it.<\/em><\/strong> See #2 above.\u00a0 Make sure your investments are doing what they should be with your goals in mind<\/a><\/span><\/strong>\u2026whatever those goals may be.<\/li>\n
  4. Eliminate terrible debt. <\/em><\/strong>The big-box plastic is probably #1 for most.\u00a0 The only acceptable debts (as long as the interest rates are reasonable) are mortgages, car loans, home improvement loans, and college loans.\u00a0 Negotiate lower rates whenever possible \u2013 no need to pay more interest than you should.<\/li>\n
  5. Get a sufficient emergency fund in place NOW.<\/em><\/strong> This way, you won\u2019t resort to plastic when you have one of those \u201cuh-oh\u201d moments.\u00a0 Shoot for 3 months of income for starters\u2026if you can get to 1 year of income than that would be best.<\/li>\n
  6. Improve your health\u2026<\/em><\/strong>yes, this affects your $! Less money spent on medications\/prescriptions, less doctor\u2019s visits (except your regular checkups), etc.\u00a0 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.\u00a0 If you make healthy changes, you will spend less money for all types of insurances going forward and enjoy a better quality of life.\u00a0 We all want that, right?<\/li>\n
  7. Take care of the things you have. <\/em><\/strong>No sense in spending $ frequently on big-ticket items.\u00a0 Make them last for a while.\u00a0 Maintenance is key, especially when it comes to vehicles, boats, your home, properties, etc.<\/li>\n
  8. Be satisfied with what you have.<\/em><\/strong> No need to play that game called \u201cKeeping up with the Joneses\u201d.\u00a0 Having the latest big-screen TV in every room in your house is not wise if you don\u2019t have enough saved for retirement or for little Suzie\u2019s college education<\/a><\/span><\/strong>.\u00a0 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.<\/li>\n
  9. Avoid doing dumb things.<\/em><\/strong> 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.\u00a0 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<\/li>\n
  10. Learn something new financially every day.<\/em><\/strong> Even if it seems like something minor, the more you educate yourself about financial matters, the better financial decisions you\u2019ll make.\u00a0 Hire a qualified financial professional who values educating you on a regular basis \u2013 this 10th<\/sup> step (if you hire the right financial advisor) can easily help you with the prior 9 steps!<\/li>\n<\/ol>\n

    Happy New Year everyone \u2013 let\u2019s make 2016 a great year!<\/p>\n

    To learn more about Martin Federici, view his Paladin Registry profile<\/a>.<\/span> \u00a0<\/strong><\/p>\n

     <\/p>\n","protected":false},"excerpt":{"rendered":"

    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. \u00a0With this in mind, let\u2019s look at 10 financial resolutions you can follow to start off a little bit better money-wise and hopefully stay with throughout the year: Stop getting nickeled & dimed by everyone \u2013 but don\u2019t start doing this<\/p>\n","protected":false},"author":12,"featured_media":6789,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[765],"tags":[],"class_list":["post-6782","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"yoast_head":"\nFinancial Resolutions by the Numbers<\/title>\n<meta name=\"description\" content=\"Bank accounts lighter? 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