{"id":8884,"date":"2017-12-04T12:02:18","date_gmt":"2017-12-04T20:02:18","guid":{"rendered":"http:\/\/blog.paladinregistry.com\/?p=8884"},"modified":"2019-07-02T07:49:04","modified_gmt":"2019-07-02T11:49:04","slug":"10-financial-tips-new-year","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/10-financial-tips-new-year\/","title":{"rendered":"10 Financial Tips for the New Year"},"content":{"rendered":"\n<p>Let\u2019s face the facts: After the holiday shopping is finished, most of us find that our bank accounts are somewhat smaller than we hoped they would be. With that in mind, here are 10 financial tips everyone can utilize to start the new year off on a smarter note money-wise and hopefully stick with throughout 2018:<\/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-69e79ab311461\" 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-69e79ab311461\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/10-financial-tips-new-year\/#Top_10_Financial_Tips\" title=\"Top 10 Financial Tips\">Top 10 Financial Tips<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/10-financial-tips-new-year\/#1_Stop_getting_nickeled_and_dimed_by_everyone_%E2%80%93_and_dont_start_doing_it_to_everyone_else\" title=\"1. Stop getting nickeled and dimed by everyone \u2013 and don\u2019t start doing it to everyone else!\">1. Stop getting nickeled and dimed by everyone \u2013 and don\u2019t start doing it to everyone else!<\/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\/personal-finance\/10-financial-tips-new-year\/#2_Put_a_budget_in_place_%E2%80%93_and_stick_to_it\" title=\"2. Put a budget in place \u2013 and stick to it!\">2. Put a budget in place \u2013 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\/personal-finance\/10-financial-tips-new-year\/#3_Put_a_financial_plan_in_place_%E2%80%93_and_stick_to_it\" title=\"3. Put a financial plan in place \u2013 and stick to it!\">3. Put a financial plan in place \u2013 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-5\" href=\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/10-financial-tips-new-year\/#4_Eliminate_terrible_debt\" title=\"4. Eliminate terrible debt\">4. Eliminate terrible debt<\/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\/personal-finance\/10-financial-tips-new-year\/#5_Get_a_sufficient_emergency_fund_in_place_NOW\" title=\"5. Get a sufficient emergency fund in place NOW.\">5. Get 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-7\" href=\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/10-financial-tips-new-year\/#6_Improve_your_health_%E2%80%93_yes_this_affects_your_money\" title=\"6. Improve your health \u2013 yes, this affects your money!\">6. Improve your health \u2013 yes, this affects your money!<\/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\/personal-finance\/10-financial-tips-new-year\/#7_Take_care_of_the_big_things_you_have\" title=\"7. Take care of the (big) things you have.\">7. Take care of the (big) things 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\/personal-finance\/10-financial-tips-new-year\/#8_Be_satisfied_with_what_you_have\" title=\"8. Be satisfied with what you have\">8. Be 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-10\" href=\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/10-financial-tips-new-year\/#9_Avoid_doing_dumb_things\" title=\"9. Avoid doing dumb things\">9. Avoid doing dumb things<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/10-financial-tips-new-year\/#10_Learn_something_new_financially_every_day_%E2%80%93_even_if_it_seems_like_something_trivial\" title=\"10. Learn something new financially every day \u2013 even if it seems like something trivial.\">10. Learn something new financially every day \u2013 even if it seems like something trivial.<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Top_10_Financial_Tips\"><\/span>Top 10 Financial Tips <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\"><li>Stop getting nickeled by everyone<\/li><li>Put a budget in place \u2013 and stick to it! <\/li><li>Put a financial plan in place<\/li><li>Eliminate terrible debt<\/li><li>Get a sufficient emergency fund<\/li><li>Improve your health<\/li><li>Take care of the (big) things you have<\/li><li>Be satisfied with what you have<\/li><li>Avoid doing dumb things<\/li><li>Learn something new financially every day <\/li><\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Stop_getting_nickeled_and_dimed_by_everyone_%E2%80%93_and_dont_start_doing_it_to_everyone_else\"><\/span>1. Stop getting nickeled and dimed by everyone \u2013 and don\u2019t start doing it to everyone else! <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Why let stores, friends, family, etc. take advantage of you when it comes to money? Be fair about money matters and don\u2019t get taken advantage of by anyone. Instead, use coupons, negotiate better deals\/terms (especially when it comes to insurances and large purchases) and ask firmly but nicely (mind your manners) for the money you\u2019re owed. Stop drawing the short straw in these situations \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_%E2%80%93_and_stick_to_it\"><\/span>2. Put a budget in place \u2013 and stick to it! <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>No sense in spending your money without a clue \u2013 let\u2019s figure out how to better use this green stuff, eh? Nothing will help you do that better than really seeing what <strong><a href=\"http:\/\/blog.paladinregistry.com\/personal-finance-2\/financial-equation-dont-spend-bring-home\/\" target=\"_blank\" rel=\"noopener noreferrer\">money comes in the door and what goes out<\/a><\/strong>.&nbsp;No excuses either \u2013 there are plenty of cheap and easy-to-use software\/apps\/tools that can help you create\/track your budget. After you do this, you can figure out where you need to improve and work to meet those goals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Put_a_financial_plan_in_place_%E2%80%93_and_stick_to_it\"><\/span>3. Put a financial plan in place \u2013 and stick to it!<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>See #2 above. Make sure your investments\/tax situations are where they need to be with <a href=\"http:\/\/blog.paladinregistry.com\/investing-2\/need-budget-financial-plan\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>your goals<\/strong> <\/a>in mind \u2026 whatever 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. Eliminate terrible debt<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Big-box-store credit cards are probably the No. 1 problem for most people. The only acceptable debt (if the interest rates are reasonable) are mortgages, car loans, home-improvement loans, business loans and college loans. 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. Get a sufficient emergency fund in place NOW.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This way, you won\u2019t resort to using plastic when you have one of those \u201cuh-oh\u201d moments. Ideally, save three months of income for starters. If you can get up to one year of income saved for your \u201crainy day\u201d fund, that would be best.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Improve_your_health_%E2%80%93_yes_this_affects_your_money\"><\/span>6. Improve your health \u2013 yes, this affects your money! <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>We\u2019d all like to spend less money on medications\/prescriptions, doctor visits (except your regular checkups), etc. Eating better (you can <strong><a href=\"http:\/\/mfadvisers.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">contact me<\/a><\/strong> about this too \u2013 I can advise you in this area) and regular exercise (try to start somewhere \u2013 even if it\u2019s just taking a walk to start the day, after lunch and\/or after dinner) are truly your financial \u201cfriends.\u201d If you make some healthy changes, you will spend less money for many types of insurances going forward and enjoy a better quality of life. Who doesn\u2019t want to have more money and be healthier?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Take_care_of_the_big_things_you_have\"><\/span>7. Take care of the (big) things you have. <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>No sense in frequently spending money on big-ticket items. Make them last for a while. 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. Be satisfied with what you have<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Too many people play that silly game called \u201cKeeping Up With the Joneses.\u201d 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. Prioritize the things that really matter \u2013 delay instant gratification. Lose the \u201cI need this yesterday\u201d mentality that gets far 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. Avoid doing dumb things<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>What I mean is that people take legal action against other people every day, so refrain from giving the sue-happy crowd any reason to come after you. There\u2019s a reason there are a lot of attorneys in the good ol\u2019 U.S.A.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10_Learn_something_new_financially_every_day_%E2%80%93_even_if_it_seems_like_something_trivial\"><\/span>10. Learn something new financially every day \u2013 even if it seems like something trivial.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The more you educate yourself about financial matters, the better financial decisions you\u2019ll tend to make. Hire a <a href=\"http:\/\/blog.paladinregistry.com\/advisors-2\/financial-advisor-for-real\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>qualified financial professional<\/strong> <\/a>who educates you on a regular basis \u2013 this 10<sup>th<\/sup> step (if you hire the right advisor) can easily help you with the previous nine financial tips!<\/p>\n\n\n\n<p>Happy New Year\u2019s, everyone. Let\u2019s make 2018 the best (financial) year yet!<\/p>\n\n\n\n<p><b>To learn more about Martin Federici, view his <\/b><a href=\"https:\/\/www.paladinregistry.com\/financial-advisor\/dallas-pennsylvania\/Martin.Federici.Jr\" target=\"_blank\" rel=\"noopener noreferrer\"><b>Paladin Registry research report<\/b><\/a><b>.&nbsp;&nbsp;<\/b><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Let\u2019s face the facts: After the holiday shopping is finished, most of us find that our bank accounts are somewhat smaller than we hoped they would be. With that in mind, here are 10 financial tips everyone can utilize to start the new year off on a smarter note money-wise and hopefully stick with throughout 2018: Top 10 Financial Tips Stop getting nickeled by everyone Put a budget in place<\/p>\n","protected":false},"author":12,"featured_media":8886,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[765],"tags":[],"class_list":["post-8884","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>10 New Year&#039;s Financial Tips That Will Save You Money In 2019<\/title>\n<meta name=\"description\" content=\"Here are 10 financial tips everyone can utilize to start the new year off on a smarter note money-wise and hopefully stick with throughout 2018.\" \/>\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\/personal-finance\/10-financial-tips-new-year\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"10 New Year&#039;s Financial Tips That Will Save You Money In 2019\" \/>\n<meta property=\"og:description\" content=\"Here are 10 financial tips everyone can utilize to start the new year off on a smarter note money-wise and hopefully stick with throughout 2018.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/10-financial-tips-new-year\/\" \/>\n<meta property=\"og:site_name\" content=\"Paladin Registry Blog\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/marty.federici\" \/>\n<meta property=\"article:published_time\" content=\"2017-12-04T20:02:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-07-02T11:49:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2017\/11\/financial-tips-paladin-registry.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"724\" \/>\n\t<meta property=\"og:image:height\" content=\"483\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Martin Federici, Jr.\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@mfadvisers\" \/>\n<meta name=\"twitter:site\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Martin Federici, Jr.\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/10-financial-tips-new-year\/\",\"url\":\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/10-financial-tips-new-year\/\",\"name\":\"10 New Year's Financial Tips That Will Save You Money In 2019\",\"isPartOf\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/10-financial-tips-new-year\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/10-financial-tips-new-year\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2017\/11\/financial-tips-paladin-registry.jpg\",\"datePublished\":\"2017-12-04T20:02:18+00:00\",\"dateModified\":\"2019-07-02T11:49:04+00:00\",\"author\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#\/schema\/person\/cb07bbd1f4f1e3dda452fe9bc8abe85e\"},\"description\":\"Here are 10 financial tips everyone can utilize to start the new year off on a smarter note money-wise and hopefully stick with throughout 2018.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/10-financial-tips-new-year\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/10-financial-tips-new-year\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/personal-finance\/10-financial-tips-new-year\/#primaryimage\",\"url\":\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2017\/11\/financial-tips-paladin-registry.jpg\",\"contentUrl\":\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2017\/11\/financial-tips-paladin-registry.jpg\",\"width\":724,\"height\":483,\"caption\":\"Look at this bag. 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