Melhores Finanças em 2020

Que melhor altura para começar de novo do que um novo ano?! Este ano, poupe a sua resolução com estas dicas para aumentar a sua conta poupança e reduzir a sua dívida.

Give Your Utilities A Second Look

Now is a great time to take a look at those automatic expenses like electricity, water, cable and cell phone services. We can grow complacent with these necessary expenses because if they must be paid what other choice is there? Taking an annual look at what you use and your current plan is a great way to make sure you aren’t paying for anything you don’t use. This is also a great opportunity to see where you can cutback a little - maybe save a little more water or electricity.

Start An Emergency Fund

Don’t have an emergency fund? This year make a resolution to start one! This kind of fund is simple and can be done at a bank to build interest or simply with cash under the mattress (or a better hiding spot). The idea is to put away a small amount of money each month until you have around 3 months of living expenses saved up. This fund can be used for those unexpected expenses like a car issue, home repair or healthcare costs. The ideal size of an emergency fund depends on your own unique situation. Look at how much you would need to cover your general expenses for a couple of months and shoot for that.

Create A Budget

There is no better time to start a budget! This year challenge yourself to manage your spending. You can get started by creating a basic budget. Grab statements and receipts for the last year (or a few months) and take a look at what you are spending. Add up your monthly income and your necessary bills and make an assessment of how much of the rest will be divided between savings and other kinds of spending. You can find a guide on budgeting here as well as a few apps that can be helpful!

Consertar o seu crédito pode ser tão simples como fazer uma chamada! Estamos aqui para o ajudar a reconstruir e a compreender o seu crédito. Ligue-nos para começar ou saiba mais sobre o que podemos fazer por si 1-800-431-0449.