This is the time of year when we reflect and make resolutions. We are motivated, excited to make positive changes, then life starts taking over and the changes don’t always happen. So what will you do differently this year to break that pattern? I have a few easy tips to help you be successful.

What is your why?
Come up with a “why” for each financial resolution you make. Once you’ve written down a “why” for each financial resolution you’ve made, revisit them each month to make sure they still hold.

Improve your credit score.
If you can get to the point where you’re regularly using your credit card and paying it off every month, your credit score will grow by leaps and bounds, plus you can rack up points you can use toward purchases.

Make a realistic budget & stick to it.
I know, everyone hates making a budget, but they really help. Look at all of the areas that you regularly spend money to see if you can make small changes to save more.

Pay yourself first.
How much are you contributing to your 401(k)? Many people will only contribute to the company match. Every additional dollar you contribute to your 401(k), is a dollar that will not be going to Federal Income Tax. Pay yourself, not the Federal Government.

Make this year different, and successful.

Disclosures:http://www.hechteffect.net/?page_id=31