Get Financially Organized This January!

Getting organized is one of the top New Year’s Resolutions each year.  And while you might not be ready to organize your entire house, here are a few things you can do to quickly organize your finances!

Review Your Statements - Look over your bank and credit card statements for the past year.  While it’s great to check for mistakes on a regular basis, this time you’re looking for things that you pay for each month.  Those recurring monthly charges or fees can cost a lot if you’re not actually using the service.  Look for anything that you can cancel in the new year and put that money in savings instead! 

Check Your Credit - You should check your credit report at least once per year.  You’ll want to look for mistakes as well as see your credit score to determine how healthy your finances are.  Use a website like www.annualcreditreport.com to request a free copy of your credit report.  Sites like Credit Karma are also an easy way to estimate your credit score.  Your credit card company may also offer credit monitoring services. 

Backup Your Computer - This might not be directly related to finances, but it’s a good reminder anyway!  Take a few minutes to back up your computer, phones, and photos.  Use a tool like Dropbox or iCloud to securely backup your documents. 

Getting organized doesn’t have to be difficult!  Take care of these quick tasks and be on the road to financial wellness in 2016. 

Want to save money on insurance while you’re at it?  Give us a call today at 508-347-9343 to request a free quote.

How Healthy Are Your Finances?

January is not only the beginning of a new year, but also the official Financial Wellness Month.  It’s a great time to look over your family finances and see where you can improve.  Here are a few great places to start…

Get rid of debt.  Debt reduces your monthly income, costs you money in interest, and can make it harder to purchase a home.  Maybe 2016 will be the year that you get rid of it once and for all? One simple tip you can start with is leave your credit card at home. Only having cash on hands limits your spending. For more great tips on where to start and how to create a debt payoff plan, check out books by Dave Ramsey or Suze Orman.

Put more money in savings.  The easiest way to save money each month?  Put it on autopilot.  Set up an automatic transfer from your checking to your savings account on the day you get paid.  Or find out how you can save money tax free in a retirement account through your employer.  The less you have to think about it, the easier it will be to save! 

Get the right insurance.  You don’t want to skimp on insurance coverage, but you don’t have to overpay either!  Call us today to schedule a free no-obligation insurance review.  We’ll look at all of your needs and find you the best policy for the best price.