Tools for 2014 – Finances
Finances, budgeting, plans, savings, and more! When it comes to finances there is always something to be done. Personally, we made some changes to our finances and it has already made a huge difference!
Here are some examples in no particular order:
- Use a budgeting app, website or system
This is HUGE for me and my family! There are plenty of options for systems to help you with your finances. Mint.com, Quickbooks, and more. My favorite is YNAB (You Need a Budget). You can check it out by clicking here. Also, that link will give you a discount on the one time purchase of the software. I highly recommend it!
- Implement a cash system
We made this change a few years ago. It does take some tweaking but using cash to pay for some items definitely makes you save money! Click here to see more details about this cash envelope system.
- Speak with a financial advisor
Maybe you could save money on your insurance plan or possibly your mortgage/rent. Or what about retirement? Are you currently saving for retirement?
- Call your utility companies
Probably about 8 months ago, I called each utlity company one by one to see if they had any deals coming up. I was so surprised. Because of my good payment history, I was able to lower almost every one of my bills. My motto is – it never hurts to ask!