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New Year’s Resolutions: Looking Ahead
– canadianfinanceblog.com
New Years is a classic time of year to think ahead towards the new year. Typically it is a time where one would make resolutions for change in the new year. Most of the time it is things like start a new diet, go to the gym more often, or call your mother every Sunday. And most of the time, these things don’t work out.When it comes to your finances, a new year is a good chance to put into practice some smart money changes as well – however, they should be smart goals that you can keep throughout the year.
Small, Simple Goals
Most New Year’s resolutions fail because they’re too drastic. You can’t go from eating Cheetos and watching daytime TV to running a triathlon without amazing miraculous and drastic change, and you won’t be able to go from spending all your money and living off your credit card to a giant emergency fund and a retirement plan without some seriously hard work – so don’t make your goals high and lofty.
Aim small and ensure that you hit it…
How To Create Your 2014 Spending Plan
– ratesupermarket.ca
If the word budget sends you screaming from the room, you aren’t alone.
Most people view budgets as the most dreadful type of diet – a thankless chore that leaves you feeling deprived when you stick to it and guilty when you don’t. That’s why they’re such a source of anxiety, frustration and squabbling within many families. And, like so many New Year’s-imposed diet plans, January is the season for new financial resolutions.
However, in today’s environment, where jobs are shaky and credit card balances are growing, developing a spending plan can provide a shot in the arm for many households – particularly those where there are dissenting views as to where the money actually goes. Here are a few easy, yet effective, ways to put a new 2014 spending plan in place.
How To Avoid Overspending
Sometimes it’s not you, but a spouse or partner. Or maybe it’s adult children who seem to have trouble managing their resources, but are good at draining yours. Either way, without some roadmap it’s too easy to fall into the trap of overspending, leading to unwieldy debt load and the cycle of living month-to-month…
