{"id":1826,"date":"2021-01-29T09:15:00","date_gmt":"2021-01-29T09:15:00","guid":{"rendered":"https:\/\/beyondfinance.wpengine.com\/?p=1826"},"modified":"2023-12-06T21:10:44","modified_gmt":"2023-12-06T21:10:44","slug":"the-3-new-year-resolutions-that-make-cents-for-you-in-2021","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/blog\/the-3-new-year-resolutions-that-make-cents-for-you-in-2021\/","title":{"rendered":"The 3 New Year Resolutions That Make Cents for You in 2021"},"content":{"rendered":"\n

It’s no surprise that many Americans \u2013 97 million<\/strong>, in fact<\/a> \u2013 started 2021 with a resolution. And many of those were centered around money,<\/strong> from getting a promotion to success out of a side job.<\/p>\n\n\n\n

These days, instead of earning it or spending it, people want to save it. Yet, according to the same survey, fewer than 40%<\/strong> “expect to keep their vow for a full year.” Money management is a need for a living but not a skill many acquire in life.<\/p>\n\n\n\n\n\n\n\n

Fortunately,\u00a0our experts at Beyond Finance<\/a>\u00a0know about personal finance and debt solutions. They have three ideas you may want to write down and etch into your own 2021.<\/p>\n\n\n\n

1.    Make savings automatic<\/strong><\/h2>\n\n\n\n

Many people who do not have a disciplined sense of money management find difficulty putting a small portion of their income back in savings. By making that process automatic, you won’t have to think about it. Find out if your employer can divide your paycheck into different accounts. Automatic transfers make it easy for you not to miss what is being saved.<\/p>\n\n\n\n

2.    Work on your credit score<\/strong><\/h2>\n\n\n\n

Your FICO score is one of the most important numbers you may not have committed to memory. Unlike your driver’s license or social security, this number means money. When was the last time you checked your FICO score? If you are getting the collection calls, you may want to look. FICO stresses anywhere from 690 and 719 is “good.”<\/strong> If yours is not in that range, look at a couple of things:<\/p>\n\n\n\n