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Improve Your Finances in 2014


A new year means a new opportunity to get your finances on track. Use these tips to improve your finances in 2014.

1. Create a Budget

A better financial year starts with a better budget. Use these tools to put yours together:

2. Set Goals

You can't spend your money on the things that are important to you, if you don't know what those things are. Get all of your financial goals on paper, so you can start spending more purposefully:

3. Pay Off Debt

Nothing will drag you down faster than a pile of debt. Make this the year that you finally get all of those credit cards and loans paid off:

4. Build Up Your Savings

Peace of mind is priceless. Stuff your savings account with enough cash to get you through the rainiest of days:

5. Slash Your Expenses

Give yourself a raise by spending less on everything (it's easier than asking your boss for a raise, and much more effective).

How to spend less on ...

6. Find New Income Streams

One paycheck is good; three or four is better. Work to establish multiple income streams, so the loss of one won't be so devastating:

7. Get Organized

Get a handle on what you have and what you need, and you'll spend less:

8. Eliminate Spending Temptations

A mailbox full of credit card offers, catalogs and sales notifications will only tempt you to spend more than you intended. Clean up your inbox by unsubscribing from store e-mails. Then use these tips to tackle your snail mail:

9. Take Better Care Of Your Stuff

Treating your stuff as disposable is the quickest way to dispose of your income. Make a conscious effort to buy quality products. Then, take good care of them:

10. Use It Up

Don't let anything go to waste. Find ways to use and reuse everything that you own:

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