5 STEPS TO GET ON THE NEW YEAR’S MONEY GRIND💰💃
Now that the Christmas is over, you may find yourself stifled for cash.
With the yuletide being one of the most expensive time of the year, many individuals for a surety, might find their accounts almost bleak as the celebration passes by slowly.
However, rather than running around in desperation to get back on your feet, we have highlighted 5 steps you can take to gradually grow your income and to start saving again as you get on the new year’s grind.
🌟Here they are:
- Prepare a Budget📝: Having a budget can not be overemphasized. It is one simple way to get on top of your finances and to start saving again in the new year. Spend some time planning your January budget. You can create a simple budget by simply writing down on paper or using programs like Excel.
- Set Clear Financial Goals🎯: Set goals that are challenging yet achievable as they can help you stay motivated and driven. Review your goals should there be any change in your finance during the course of the year.
- Sell-Off Old, Unwanted Items👘👠: Selling old, unwanted items you no longer need, is a fun and creative way of making and saving money in the new year. If you have lots of items in your home that you no longer need, sell them out.
- Evaluate and Compare Costs of Services🧐: You must be proactive when it comes to saving cost on services and subscriptions, such as movie, data/airtime subscriptions and so on. Saving in bits, here and there might at the end amount to a lot.
- Delay Gratification for a Month😟🙅♀️: Wait a month before making a non-essential purchase. If something catches your eye that is non-essential, wait one month before you make purchase. This helps stop impulse or unnecessary spending. If after 30-days you still want the item, you can go ahead to purchase it.
Sure, there are many more things you can do to grow your finances as the new year rolls by, however, we believe these few steps can serve as starters to finding your path to financial buoyancy in the new year.
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