There is nothing that stresses families out then finances. Since having clutter can be a stressful burden on most people, we wanted to help you clean your financial clutter. With tax season, big debts from the holidays, and other seasonal planning, life is usually tough and more stressful. We came up with the idea of not only Spring Cleaning your house, which is what most people refer to when they hear about “spring cleaning” but to spend some time spring cleaning your finances. I teamed up with our friends at Lexington Law Firm to write and share these tips with all of you. Although this post is sponsored all opinions and suggestions are mine.
I wanted to create a plan that would help you and your family clean up your finances for the good! Here are some tips that should help you feel like you “cleaned house”.
Spring Cleaning Your Finances
1. Your Current Bills: Okay, we have a lot of bills that we pay each month. From credit cards to our phone bills. They all add up. Spring is a great time to write out a list of all of your bills that you have and start by trying to make these bills smaller. Make a list of all your bills, first. Then call each one and talk to them. They get paid because you are customer. Find out if you are paying for services that you don’t use. My last phone call saved me $18/month on my family’s cell phone bill. You should do this with not only your bills but if you have any credit cards you should call them and ask them for a lower interest rate. A lot of times they can offer you something lower for a period of time, allowing you to get your bill paid down a little bit more.
2. Protect your Credit: Just like you might protect your home with insurance, alarm systems, and smoke detectors you should have some type of system set into place for your credit. . Lexington Law Firm has a tool that helps protect identity and credit while also keeping an eye on finances. Have this protection set into place to be sure you are being smart about finances.
3. Begin working on debt: Be sure you know what outstanding debts you have. Whether it is debt that you are currently paying on or debt that you owe creditors. Clean that up. That is the nasty grime that you need to scrub hard to clean. It is ugly and we know it. Just be ready to clean that up.
4. Find ways to make more money: Okay so you lowered your bills in step 1 and now you need to find ways to make more money to help pay of your debt. There are definite ways you can do this. A while back I talked about how I made Lexington Law Firm has a tool each year. That is one thing you can do to use that extra money to pay off some debt. Save now so you can afford the things you want to do….like spring cleaning your finances.
Be sure you start spring cleaning your finances today. Just like clutter stresses people out, so does financial clutter. Make your life easier today. If you need more ideas on how save more money to help pay off date, be sure you are following us year round on social media. Also check with our friends at Lexington Law Firm has a tool.