You always follow through with your New Year's resolutions, right? Everyone does! That's why you dropped 10 pounds last year without even trying…
If you're rolling your eyes or stifling a laugh, then you're like most Americans. Unfortunately, about 80% of Americans give up on their New Year's resolutions by February. Hey, change is hard!
This year, though, you can put your finances in order. By the end of 2019, you'll have better financing habits that improve your credit score and help you save money.
If that sounds like another joke, you just need to learn some smart habits that will make you successful in 2019. With the right tools, you will reach your goal.
You don't have to spend a lot of time tracking your spending, creating a budget, and saving money. There are plenty of apps that will do the work for you.
Some of the best budgeting apps for 2019 include:
Although some of these apps charge monthly or annual fees, the value you get makes the price worth it. Plus, most apps give you a free trial period. If you don't love what the app offers, you don't have to pay for it.
If you track one month of your spending, you'll find a lot of things that you can eliminate. You'll wonder "Why did I spend $3 at Starbucks when there's free coffee at work?" Or "Why did I rent a movie when I have 100 movies saved on Netflix?"
Once you discover how much money you spend on things that you don't need, it gets easier to avoid those expenses. Set January as the month that you start tracking expenses. It will get even easier as the year goes on.
Why pay full price when you can use coupons to save money? You can find coupons in your local newspaper, but you can also get them from websites like:
Many retailers have coupons on their websites, so you should visit the sites before you go shopping.
Saving 50 cents here and there might not sound like it will improve your finances. Over the year, though, you could save hundreds of dollars. Dedicate that money to paying down debt or building your savings account.
High-interest credit card debt can make it nearly impossible to improve your finances. Pay off your credit card debt with a loan from Boro. You'll get a lower interest rate that makes it easier for you to improve your financial health in 2019.
Check out Boro to see how much money you can save by using a personal loan to reduce your credit card balance.
2019 is the year that you will put your finances in order. You'll have to talk to someone else about learning to exercise more, though!