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💳Take stock of your holiday spending

Review your recent spending and take stock of how much debt you’re carrying over from the holidays.

 

🔨Make a debt-crushing plan

Make a plan to pay off your debt, maximizing one monthly payment at a time until it’s paid off. Be sure to continue making the minimum payments on all debts as you focus on knocking out one at a time.

 

✂️ Trim your budget

Most budgets have some fat to trim. Take a close look at your monthly spending and look for ways to cut back to build more breathing room in your budget.

 

💰 Pay yourself first

Get into the habit of putting money into savings before you start spending your way through your paycheck. Building an emergency fund and long-term savings will give you the financial cushion you need to get through many things life throws your way.

 

📈Build your financial smarts

Expand your financial knowledge this year by tuning into a money-minded podcast, reading personal finance books or attending a course on money management.