As we move into the new year, many people are gearing up to pursue new resolutions. While New Year’s resolutions often reflect our wishes for the upcoming year, this time they may also set the tone for the new decade. Getting your finances in order in 2020 will have lasting effects on your long-term financial goals. Through proper planning, you can create a budget. That is why we have compiled the following list of helpful tips for how to manage your finances in 2020. 1. Crunch the Numbers Take some time early in the year to simply sit down and do the math. Look back at your spending and saving practices over the past year. Take note of your monthly income and determine your monthly expenses. Consider which of those expenses are necessities and which are more flexible. From here, you can figure out how much disposable income you have…
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Millions of people in the U.S. made New Year’s resolutions at the start of the year. Financial responsibility is a popular area of concern for resolution makers, but many people struggle with the follow-through. Finances are technical and at times fragile, and without a solid plan, you are more likely to fall short of your financial goals. 6 Ways to Generally Improve Financial Responsibility The area your resolutions are concerned with will benefit from all-around good financial habits. According to a Fidelity Investments survey, 48 percent of Americans make a resolution to save more, 29 percent want to pay off debt and 15 percent wish to spend less overall. No matter your personal area of concern, here are our best suggestions to help you improve your financial affairs in 2019: Identify your financial goals. Make it a priority to identify your financial goals for the year. Do you need to…
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Your credit scores can have a major impact on several areas of your life. These scores, which are calculated from the information in your three credit reports, determine where you can live and which loan terms you receive from lenders. Credit scores can even affect the type of job offers you receive. If you have poor credit scores, the good news is that they are not permanent. You can always adopt new personal finance habits to improve your credit scores. The following personal finance habits may help you achieve this goal. Pull your credit reports often. Pull your credit reports as often as possible. You can pull your reports from Equifax, Experian and TransUnion once per year for free. However, you should try to pull these reports twice per year at a minimum. If you are able, try to pull your credit reports once every four months. Look for mistakes,…
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*Credit card payments will not be accepted for bankruptcy cases, unless pre-approved by The Sader Law Firm. If you have a question about a credit card payment, please call our Office Manager at (816) 561 1818.
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