Improve your Monthly Budget for 2024

• Review your credit card debt. and cut down on your spending.
• What are your financial goals?
• Do a budget calculation and stick within it.
• Be aware of your credit report.
• Commit to no spending weekends. Go out once a month instead of every weekend.
• Choose a do it yourself exercise program and avoid a pricey new gym membership.
• Increase your retirement or make an IRA contribution.
• Pay off some Debt. Auto, Student loan, Home, Etc.
• Prevent any costly bad habits like to many coffee drinks, eating out too much, expensive subscriptions, smoking, and pet grooming.
• Paying for food delivery, grocery order pulling, and maid service means you might be lazy and have plenty of money already.
• Automate some payments where possible and reduce fee based online payment methods.
• Make small repairs before larger repairs are needed.
• Evaluate your cable or TV bill for possible change to Digital Antennae for local broadcasts and online streaming services.
• Be sure to have a dentist or doctor checkup to avoid a costly or serious health issue.
• Review last years bad money moves and learn from them.
• Review any investment portfolio adjustments needed.
• Review tax plan and consider a good will charitable donation.
• Review Employee Benefits for added dependents or coverage changes.
• What are your credit limits?
• Check for a free on line financial course, audiobook, podcast or library book.

See USNEWS article on 20 tips for new years financial resolutions.