It’s a new year. Are you going to be a new person? Here are just four tips and tricks for managing your money better than you have in the past.
1. Call Those Debt Collectors
If you’ve been avoiding calls from debt collection agencies, it’s time to pick up the phone. A common misconception about debt collectors is that they want to squeeze you for every cent that they can get, but in reality, most companies will be willing to work with you. They can arrange monthly payment plans if you aren’t able to settle your entire debt at once.
2. Track Your Expenses
Those morning lattes can really add up. You might not even realize that you’ve been spending so much money on tiny, trivial expenses until you see the proof laid out in black and white. The good news is that you can cut back on non-essential expenses by tracking your daily bank account balance; once you start paying attention to the dollar signs, it’ll be hard to ignore them.
3. Get Digital
There are a number of apps that can help you manage your money. Some of them will tally your daily spending; others will calculate your incomes and taxes. Others might help you put together a budget based on things like rent, utilities, subscriptions and entertainment. You won’t know what options are out there until you pull up the app store and take a look.
4. Reach Out to the Professionals
Maybe you need help consolidating your debt. Maybe you require the financial assistance of a bankruptcy law firm in Pittsburgh PA. There’s nothing wrong with calling in the experts when your money problems have gone over your head. The pros are trained to handle these kinds of things!
These are just a few ways to get a grip on your finances in 2019. Whether you’re saving up for a big expense or hoping for more pocket change in your everyday life, you’ll need to be careful with your money if you want to improve your financial future. Good luck!