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ByGreg, CFA Reading Time: 3 minutes
Home » Financial Habits To Start In 2022

Financial Habits To Start In 2023

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Financial Habits
https://www.pexels.com/photo/crop-unrecognizable-financial-worker-calculating-profit-using-notebook-and-calculator-4386335/

This is a post on Finance and better financial habits from Ellie Jo.

The new year is here. Another chance to turn things around and live well. As the champagne glasses are washed and the confetti is swept up, we turn our thoughts towards our resolutions. What new things are we going to instill in our daily lives in the new year that are going to help us become better people? For some, the resolution is to be better with money. Money is essential to live well, travel, and be generous to family and friends. Here are a few financial habits you may want to start in 2022.

Table of Contents

  • Save More Money
  • Pay Down Debt
  • Fix Your Credit
  • Live Within a Budget

Save More Money

Sometimes, it’s hard to let go of money. We want to keep it all so that we feel more secure in our finances. Moving money to your savings account is not losing money, it’s just moving it into another place for safe keeping. Savings is so important because anything can happen where you may not be able to work or may have to take care of another person. When you have a full savings account, you will not have any worries about life throwing you a curveball. 

Pay Down Debt

Debt is a four-letter word. Debt can affect your credit, can tie up your money for years, and is a heavy weight that is constantly hanging over you. Get rid of debt in the new year. If you feel that your debt is affecting your credit, you can get consolidation loans for bad credit and pay off all of your debts through one company. This is a fast and easy way to erase the debt and finally be free from poor financial choices. Give yourself the gift of financial freedom. 

Fix Your Credit

Credit is the backbone of being able to do a lot of things like buy a home, buy a car, or rent an apartment. The worse your credit, the more you are going to have to rely on other people for money and financial support to get what you want. When you have great credit, you don’t have to rely on anyone, and you can get what you want when you want it and you will be trusted to be an owner or renter. 

If you do a quick internet search on how to boost your credit, you will find that within the year, you can add points to your credit score and be at the place you need to be financially. Having a solid financial foundation alleviates a lot of stress. 

Live Within a Budget

Make a budget and stick to it. It may feel a bit restricting at first, but when you live within a budget you will have the peace of mind of knowing that you have all of your bills covered and you won’t have to worry about not being able to pay for the important things in life. Part of a budget is money to spend, so as that portion of your budget starts to grow, you will have plenty of money.

See also Financial Tips From A Chartered Financial Analyst.

Greg, CFA
+ posts

Greg is a Chartered Financial Analyst (CFA) with 22+ years experience in Financial Services. He has held numerous FINRA Securities licenses (series 7, 63, 65, and 66), and is an expert on Investment Products and Financial Planning. Greg has 22+ years experience as a real estate investor and degrees in Psychology and Philosophy.

Greg has been quoted/interviewed in Yahoo Money, Yahoo Finance, USA Today, Authority Magazine, Realtor.com, Business Insider, and others.

Greg is an avid runner, and the father to identical twin girls and their awesome brother. His love of budgeting and his kids led him to join The Great Resignation in 2021.

Disclaimer: Any Financial Tips on ChaChingQueen are general and informational. Speak with a professional about your specific situation.

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