Thirteen smart financial steps to take in 2013
Many Americans dutifully make New Year’s Resolutions, but unfortunately most get broken or forgotten before too long. So let’s not call these “New Year’s Financial Resolutions.” Instead, here are 13 smart financial steps that you can take to help get and keep your finances on track in 2013:
1. Establish a budget. Many people bristle at the mere mention of the “B” word: budget. But budgeting is the first step in gaining control of your finances – and it usually isn’t as difficult or painful as most people think.
2. Reduce your debt. Excessive debt is one of the biggest obstacles to financial security and independence, as well as to saving for a financially secure retirement. So begin planning now to pay down your outstanding debt as soon as possible.
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