When you think about your finances, what comes to mind first? If you're like most people, you probably are thinking about paying the bills you need to pay with your next paycheck. Maybe you are worrying about how you're going to get everything paid on time. There's a better way to handle your finances than living like this, but you have to take real, actionable advice.
#1 - Be Frugal
You can save on energy bills by using better energy efficient appliances. Switch out your old light bulbs and replace them with LED bulbs. Just these 2 small steps will save on your energy bill and give your lights a much longer lifespan. While you're at it, don't forget to turn down the thermostat in your house and the hot water heater too!
#2 - Ask For A Raise
You can also improve your personal finances by checking out a salary wizard calculator and comparing the results to what you are currently making at your job. If you find that you are not at the same level as others in your field, consider asking for a raise at work. If you have been working at your place of employment for several years, than you are more likely to get a bump in pay.
#3 - Be A Team
Take advantage of being married (the spouse having the better credit should apply for all loans as the primary applicant). If your credit score is poor, build it back up with a new credit card account that you use and pay off each month (Read the article here on rebuilding your credit).
#4 - Pay Attention To Your Money
Always watch your nickels and dimes each month. Small purchases are easy to forget about and write off as not making any difference in your finances each month. Those little expenses add up quickly and can make a serious impact on your wallet. Take a hard look at how much you spend on things like coffee breaks, snacks, and impulse buys at the register.
Living paycheck-to-paycheck is stressful. Now that you've read this article, you can start to leave all that behind and approach your finances in a completely different way. Just use the tips and tricks found all over this website in order to help improve your finances and put money aside for emergencies and unexpected expenses.
YOU CAN DO THIS!