Spending and Saving
Five Simple Ways to Improve Your Finances in 2010
There are no excuses left for not getting a good, firm grip on your money.
I’ll just earn more? Last year, even the richie-richest learned that cash doesn’t always keep rolling in.
I don’t know where to start? There are countless resources on the internet.
I don’t have time? There are great tools that will break it all down into steps that can take as little as a few minutes.
Learn your lesson from the recession, already, and get your financial ducks in a row. Start your year with these simple steps:
Get organized
Don’t know where to start? Our friends at LearnVest (one of Recessionwire’s content partners–hey Caroline Waxler!), are running a financial bootcamp this month. Every day you’ll get an email that walks you through setting up a smart money system. We swear, it’s simple–and you might even win some prizes. Time: 2 minutes
Start saving
When I lost my job in 2008–oh man, was I glad I had an emergency fund. I’ll never go without one again. Our peeps over at Daily Worth (shout-out to Amanda Steinberg) have launched the 2010 Savings Challenge, for those of us who could use a little structure and support. Time: 5 minutes
Learn how to budget
It doesn’t have to be a drag. Daily Worth offers up ways to budget this year, whether you’re barely numerate or CFO material. Time: 30 minutes
Cut back on unnecessary overhead
Stop paying for services you don’t use. I Will Teach You to Be Rich has directions for saving money by making sure your cell plan matches your use. Get rid of the land line if you don’t need it. Cut movie channels you don’t watch. Turn off lights and appliances you’re not using. And negotiate everything down! Time: 1 hour
Save more online
When you shop online, make sure to make a quick stop at sites like Savings.com and Retailmenot for coupon codes. And sign up for eBates, which offers varying amounts of cash back–even 12 percent!– for online shopping. Time: 5 minutes
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