15 Smart Personal Finance Tips for 2018

2018 is an ideal time for consumers to assess their financial behaviors and consider areas for improvement.  Adjusting financial behaviors is a process that takes time and may require the occasional same day cash advance. The following smart personal finance tips will assist consumers with this process.

1. 1. 1. Evaluate the cost of your current lifestyle. How often are you relying on the same day cash advance to cover your monthly expenses?
      2. Gain an understanding of your net worth.
      3. Put your next pay raise toward your 401K. You won't miss this money in your monthly budget.
      4. Shop with a list every week. Take stock of what you currently have before making a list and stick to the list during every shopping trip.
      5. Scout coupons and sales. Look for deals on items that you purchase on a regular basis. Do not use coupons as an excuse to purchase items that you do not need.
      6. Shop at thrift and secondhand stores. When you aren't able to save through coupons and sales, you may still be able to save by purchasing gently used items.
      7. Track every penny that you spend during a two week period. Are there little unnecessary expenses that are adding up over time?
      8. Start saving your change. Every little bit helps.
      9. Change one spending behavior per week. Put the money that you save into a savings account instead of spending it.
      10. Understand the terms and conditions for a credit card before signing a contract.
      11. Pay more than your minimum credit card payment. Determine how much you can afford to pay per month and stick with it.
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   1. Give yourself a weekly cash allowance.
   2. Only co-sign a loan if you are prepared to pay for it.
   3. Make gifts instead of buying them.
   4. Consider your financial needs over the needs of others. You can't afford to help your cousin with her car loan when you can't pay your own loan.