Clean Up Your Finances
…As I prepare the editorial calendar and posts for Connexus Credit Union, serving the members is always our goal.
More From The Connexus Blog:
1. Start a disciplined savings plan. Even if it’s just $5 a week, save consistently. Establishing a savings safety net is one of the single most important things you can do to improve your financial well-being. Keep it structured. We offer tools like alerts, payroll deduction and automatic transfers to help you stay on course. Open a savings account with limited access, like a Connexus Holiday Account. This will help to avoid the temptation of making easy withdrawals.
2. Track the money you spend. Several interesting apps can track your bills and cash flow. Try BillTracker, HomeBudget or Easy Envelope. Quicken is another great tool for the serious organizer. Utilize the online banking tools at Connexus. Or, just record expenses on a pad of paper. It’s a start. You’ll be surprised to see how and where you spend money, and of course, ways you can save.
3. Consolidate items in one place. This can apply to numerous things – like transaction accounts; the number of credit cards you carry; how you track and store important papers; even where loose change goes. If things become scattered, they get misplaced. Bills get overlooked. Records become obsolete…or at the least, hard to find. Try the system of pay, file, and shred. Dispose of papers you don’t need; close accounts you don’t use.
4. Try one of the new scanner/shredder combinations. Take advantage of the technology available to track your budget and shred documents for security. Or, simply scan items and save them into a folder on your computer regularly. Even a good, old-fashioned filing cabinet is a plus to keeping records organized. Reduce incoming papers: sign up for eStatements. (https://www.connexuscu.org/services/online-banking).
5. Stay on top of your finances. Pick a time each week to pay bills, sort paperwork, and file. Track your budget consistently. Make it a weekly task, so it’s easier and more manageable. Don’t procrastinate or suddenly, six months will be gone. Ensure each place you do business with has a file of its own.Organizing your personal finances will clear the path to other priorities, like reducing debt, finding a better job, or pursuing your education – even saving for a home. It’s also immensely satisfying to manage something you truly can control: your finances.
Quick and easy apps:
Bill Tracker for iPhone
HomeBudget
Try Connexus Mobile Banking:
https://www.connexuscu.org/services/mobile-banking
For More, Visit The Connexus Blog:
https://www.connexuscu.org/about-us/connexus-blog/connexus-credit-union-blog
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One Response to “Clean Up Your Finances”
Great post. Discipline is needed when managing money the correct way.