(Español) Financial Goals Make the Best New Years Resolutions

Financial Goals Make the Best New Years Resolutions


Very few were left untouched by the economic downturn that shook the world not too long ago. Homes were foreclosed on them as jobs were lost as businesses went down. If there is a lesson to be learned, it is that the future is unpredictable and being prepared is a must, not an option.


Being prepared

One important thing you can do to cushion yourself is to save. One essential fund every individual or family should have is an emergency fund. It should be in form of cash or an investment that is easy to liquidate should the need arise. An emergency fund should ideally be equivalent to six months living expenses and monthly repayments if you have loans such as credit card debt, auto loans or student loans.

The best new years resolutions

Making new year’s resolutions is a common, worldwide phenomenon. Also common is how many fall by the wayside in keeping to their resolutions just a few days into the new year. The best new years resolutions you can make is to get on track financially.

You can stick to financial goals by:

• Identifying your goals and prioritizing them. If you have debt, this should be the priority, especially credit card debt that quickly adds up thanks to compound interest.

• Break down your goals into daily, monthly and annual goals. This will keep you focused. For instance, you will have to minimize what you spend every day, week or month to pay off debt and save into your emergency fund. Make and carry your coffee rather than buy it every day, stock up on groceries for the week at the farmer’s market. Such small changes up to over a month and the year.

• Keep track with a calendar. Tick off your daily and weekly savings and achievements, statements of reducing credit balances and improved credit scores.

• Reward yourself with inexpensive treats every once in a while to keep yourself motivated.


For more advice on improving your financial fitness this year, stay tuned to the Northcash blog!

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