A new year means a fresh start. We all have those resolutions, like getting in shape or dropping bad habits, but what about exercising your financial goals?
"Like losing weight, it's something people don't like to think about. They keep putting it off, getting their finances in order," says Matt Wyner.
Wyner is the regional retail leader for
. He says the new year is a great time to revisit your finances and figure out how you might improve things.
First, have a system in place for how you're going to pay your bills and keep on track.
"Whether it's putting things in a shoe box, sort of the old school way, or whether it's using some bill pay, or some of the online tools that are out there to stay organized," he explains.
Wyner says it's always important to set a budget and try to stick to it as much as you can.
"What you're spending money on, what's coming in and what's going out, and take a look at what, maybe, is unnecessary," says Wyner.
Like subscriptions or memberships that you no longer use. Also, check out discounts you can get by paying things differently.
Finally, keep track of your spending, whether it's jotting down your info on a piece of paper, using a spreadsheet or other online tools.
The bottom line: Wyner says do what works for you, as long as what you're doing makes financial sense.
Experts say you have to stay committed to your financial plan. If you need more help, speak with a financial expert at your bank.