Here are the top ten New Years financial steps. These
actions scream SMART MONEY.
1) Review your budget and make necessary changes to
accomodate your familys' needs and goals.
2) Save for the unexpected. Make this a line item on
your budget and allocation a percentage of income to
this very real category.
3) Find easy ways to cut expenses.
4) Make a plan and pay down debt. In NYC call 311, we
can help you develop a plan.
5) File your taxes early if you are expecting a refund.
6) Check your credit rating across the top three credit
reporting agencies: Equifax, TransUnion and Experian.
7) Protect your identity at all costs.
8) If you qualify for Benefits, claim them. There are no stigmas.
9) Open a safe Bank Account. All New Yorkers can open a NYC
SafeStart Account - the City's Free bank account with an ATM
card, no overdraft or monthly fees if you have a minimum
balance of $25. Call 311 for more information.
10) Learn to shop smarter. Buy only what you need and
before you pay, decide whether the purchase is a need
or a want.
Congratulations on taking positive steps toward your financial future!!!
Sheila McKinney
