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Take a piece of paper and write down the following information – Taronews

Take a piece of paper and write down the following information

canada goose Get Into Financial Shape This Spring Scott Gamm, HelpSaveMyDollars.com Mar. 19, 2012 canada goose store , 9:00 AM With winter ending, this is the perfect time of year to do a financial tune-up. The economy is still struggling to recover – the unemployment rate is around 8%, but there’s always a silver-lining: the recent stock market rallies and most of the major banks passed the Federal Reserve’s stress tests, a sign that these banks will lend more money in the coming months. But for your own finances, here are five steps to take for the spring money tune-up: 1. Debt: If you have credit card debt, now is the time to pay it off. Place all of your credit cards on your desk. Take a piece of paper and write down the following information for each card: interest rate, credit limit, what you owe st-edwards-cam , monthly payment and due date for the monthly bill. For the credit card with the highest interest rate, you must pay double the minimum payment each month. Where will you get the money from? Cut your expenses! It’s time to get out of credit card debt. Once that card is paid off, pay twice the minimum payment for the next card – continue this process until all your cards are paid off. 2. Savings: It’s very easy to save more money. Ask your bank to automatically transfer a certain amount of money from your checking account to your savings account each month. This will force you to make do with less. It’s a no-brainer! 3. Expenses: There’s no magic when it comes to expenses – make them as low as possible. Doesn’t mean you have to completely stop buying coffee everyday – maybe make it at home twice a week – and you’ll start to like the coffee you make at home better and after a few months you won’t want to go to the coffee shop anymore! Use HelpSaveMyDollars.com’s free Expense Calculator for help. 4. Retirement: In addition to the 401(k) plan you may have from your employer, make sure you also open up a Roth IRA at a discount brokerage firm. You can contribute up to $5,000 in a Roth IRA if you are under age 50 ($6,000 if you’re over 50). Start building up your retirement savingsnow! 5. Goals: Hopefully you set financial goals for the New Yearbut that was almost three months ago. So now is the time to check-in on your financial goals. Are you on a path to achieving them? If you’re having trouble sticking to your financial resolutions, let us know via twitter @SaveMyDollars and Facebook. Follow HelpSaveMyDollars.com on Facebook and Twitter. Read more posts on Help Save My Dollars Read the original article on HelpSaveMyDollars.com. Copyright 2018. canada goose parka