Things to Do to Get Your Finances in Order
1. Make a monthly budget. And figure out what unnecessary costs you can cut from your monthly expenses. Do you really need Netflix and Hulu? These are the questions that need answers. LOL.
2. Set a savings goal. Do you want to save up for an emergency fund, vacation, car, or motorcycle? Speak it into existence. Name whatever it is and how much it will require you to save. Then break down your savings goal into daily, weekly, and monthly mini-goals.
3. Cash in spare change you find. (No lie, my husband has saved over $100 in random change since last December. Like, holy cow.)
4. Sign up for Digit. Digit is a free app that saves money for you automatically. No effort required, ya’ll.
5. Make sure you’re getting competitive rates for all services, i.e. your cell service, car, home or renter’s insurance. You can do this by snooping around online to compare rates with other providers.
Call your current companies to see if they’ll match the lower price you found elsewhere. If they won’t, think about jumping ship for the less expensive company.
Take this one step further and check the interest rates on your credit cards. If your credit card rates are super high, you can ask your credit issuer for a rate reduction. If they say no, you may be able to save money by transferring your balance to another credit card. I explain that here.
6. Check your credit score and come up with a plan to improve it.
7. Calculate how much money you need to save for retirement.
Things to Do to Earn More Money (and Boost Your Career)
8. Brainstorm and research how to turn your favorite hobby into a business.
9. Do market research e.i. ask around to see if there’s a need for your idea.
10. Write your dream business plan.
(If you’re a blogger, check out this EPIC BLOG: One-Year Editorial Planner. It’s not free so you may want to put it on your wish list, but it’s a blog business plan that I use and love.)
11. Make a checklist of tasks you need to complete to put your dream business plan into action.
12. Start a blog to promote yourself. Now, starting a blog isn’t completely free, but it’s pretty darn close. You can sign up for website hosting for just $3.95 per month. But as a consolation, I have another free resource that you’ll love if you want to earn money as a writer, grab my free mini-ebook.
13. Untag/delete every embarrassing photo of you on social media to prevent a future employer or client from finding it.
14. Locate and follow blogs that are relevant to your hobbies, future goals, business, or aspirations. You can do this by searching “your hobby + blog” in a search engine.
15. Comment on those blogs and then e-mail the blogger to spark conversation.
16. Print out flyers of your hobby business and tack them to every community board in your neighborhood.
17. Write an e-book.
18. Google your name to see what your first online impression is.
20. Write down personal and professional goals for the week, month, and year.
21. Think of where you want to be in 5 years and right down intentional steps on getting there. A super cool exercise I learned from someone recently is writing your dream bio. You write about yourself in the future including everything that you want to be known for. It’s a neat way to organize your aspirations.
22. Make a vision board.
24. Increase your LinkedIn profile strength.
25. Find all the top influencers in your field and follow them on Twitter.
26. Then follow 200 other interesting people on Twitter.
27. Delete any of the 200 people that don’t follow you back after a week and repeat.
29. Set up job alert notifications from your favorite job boards.
30. Take some clothes to the consignment store to trade for cash.
31. E-mail old friends, roommates, classmates, family members, and acquaintances to catch up.
32. Read an e-book from one of the influences in your field.
33. Update your resume and cover letter.
34. Look up conventions or trade shows coming to your area where you can network.
35. Sign up for networking mixers in your area.
36. Put together a brag book or portfolio for interviews.
37. Reach out to old colleagues and managers for recommendations to have on hand.
38. Set up Google alerts for news on an industry or thought leader you want to learn more about.
39. Read trending case studies in your field.
40. Peruse the free section of Craigslist for things to recycle or resell.
41. Scan the gig section on Craigslist for side jobs to make extra cash.
Read other things HERE