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Resolving to Save More in 2014

We’re seventeen days into the New Year and while some people have already broken their New Year’s resolution, some people are still trying to figure out how they want to improve themselves in 2014. Whether you want to be smarter, more active, of more compassionate, you can set goals at this time to improve yourself, and come to appreciate your capacities even more than you otherwise do. One of the best resolutions you can make this winter is a resolution to save more money.

Having a buffer of savings is extremely helpful for everyone. This can come in handy when emergency strikes, you find something you just have to have, or to build interest and increase your funds for the future. By saving money regularly, you will be able to count on having something to fall back on if you ever find yourself out of work.

Saving More in 2014

As you begin saving this year, you may feel like there isn’t much you can do about it. But, in reality, there are many ways to save money each year, and by taking advantage of opportunities to save, you will find yourself much more financially secure, and more able to care for yourself, and anyone who is depending on you.

One of the best things you can do to help yourself save more effectively is to set up automatic transfers from your checking account to your savings account. This will allow you to make deposits into your savings account without having to lift a finger. And, by doing this, you will be able to maximize your savings, while minimizing the possibility to forget to save.

Loose Change Adds Up

Another important saving option is as simple as merely saving the change from purchases you make. By saving these small amounts, you will find yourself adding money to your savings account quickly without noticing a lack in your other account. Change will start small, but as you consistently save, you will see it adding up to what can be significant amount.

Invest For the Future

Another great saving tool is investment. Whether you take out a CD, which has low risk but low rewards, or invest in a more substantial and risky endeavor, by investing, you will be able to make your savings work for you. Especially in riskier investments, you should make sure to only put out an amount you feel relatively comfortable losing.

Also, as you look to invest, it is a good idea to consult with a financial professional so you can put your money to the best possible use. By consulting carefully, you will be able to make informed financial decisions that will affect your financial health positively and help you to become even more successful, by expanding your portfolio and increasing your buffer.

So, this New Year, think about making your financial security your resolution. Through this simple step, you will be able to increase your security and provide yourself with a buffer of protection for both emergencies and any time you want to splurge. Take this step this year, and you will find your financial state much more secure.

Preparing Your Financial New Years Resolution

It’s that time of the year again when the calendar psyches you into a sense of renewal, fresh starts, and a future of success! If you struggled financially last year, start this new one off right! Create your own, simple, doable, Financial New Year’s Resolution and look forward to a bright new year!

Baby Steps

We all know that New Year’s Resolutions tend to fizzle after just a few weeks. Unexpected things happen, we are busier than we expected, our resolve is weaker than we expected… Don’t let this happen to you this year! By taking baby steps towards progression, you won’t burn out as soon as people who try to change their world overnight. You might even want to come up with a twelve-step New Year’s Resolution – a baby step for each upcoming month of the year. (Make a January Resolution, a February Resolution, etc.)

Budgeting

Take some of your vacation time to sit down and work out a doable budget. Look back at the previous year and see where you went into the whole, how you could have avoided it, and what unnecessary expenses you had. What could you do differently? Start with minor changes (unless you’ve got a rock solid resolve) and plan to improve little by little each month. (Remember, baby steps!) So, for example, if you tend to eat out too much, just cut down your weekly trips by one or two trips per week. Each month wean yourself off a little more, and before you know it, you’ve conquered your problem!

Smart Shopping

Recognize that a lot of money goes down the drain because of careless shopping. Take the time to look through grocery ads. Price match at stores that will let you. Use coupons. Look for sales. Buy off-brand items. (Sometimes off-brand is actually better!) It will take patience and practice. But if you can learn to shop smart, you’ll be amazed by how much money you can save.

Cut the Truly Unnecessary

Let’s face it. There are some truly useless things that we buy or spend money on that you simply need to cut out. Your little puppy-dog does not need a new outfit every month. You do not need a pint of ice cream with every meal. You do not need a zombie apocalypse protection kit. Just stop it now.

Get Help

When it comes to things as intangible as personal resolve, you may need some moral support. Make a deal with your spouse, a friend, neighbor, or roommate. Let them punish you if you mess up. Let them reward you when you do well. Make them your shopping-help hotline if you ever feel temped to make a debatably unnecessary purchase. You can also turn to your bank for advice. The professionals there can help you better understand finance, budgeting, and money management.

Let this New Year, be a truly brighter one! Have confidence that you can and will work through your financial problems and enjoy a richer future!

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