January has 31 days of money making opportunity. Here are a few tangible goals to tackle this month.
Day 1 Start an emergency fund of $1000 dollars.
Day 2 Start your taxes, you don’t have to finish them work with an accountant to ensure your getting the most money back and strategize for next year.
Day 3 Put your credit cards on ice.
Day 4 Find a side hustle that pays; If you have one find an additional second or third.
Day 5 Create a budget each month, start with January
Day 6 Pull your credit report and see who you owe
Day 7 Categorize your debts and start a Debt-snowball
Day 8 Pay the smallest debt in each category
Day 9 Read a book on financial literacy and planning; learn how to get out of debt
Day 10 Buy one share of stock in a company you love
Day 11 Reach-out to your insurance agent and make sure you and your family are fully covered
Day 12 Donate $25 to a charity of your choices
Day 13 buy a gift card of $25 to gift or keep for a splurge day
Day 14 Contribute to a mutual fund (minimums vary by fund)
Day 15 Sale a household item on the internet
Day 16 Clean-house, donate household items to a charity
Day 17 Set-up “keep the change” through your bank and use the money to learn a new skill or start a business fund
Day 18 Boost your credit score in the future, Experian allows adding your utility payment record which can immediately impact it positively
Day 19 Start tracking your credit score monthly.
Day 20 Cancel unused and unnecessary monthly subscriptions
Day 21 Assess your banking statement to find additional ways to save and understand where your money is going
Day 22 Consolidate credit cards for a lower interest rate
Day 23 Save automatically, contribute $5-$25/ to a splurge account and set a target amount
Day 24 Cut back on food and gas spending
Day 25 Sign up to receive for rebates on everything you constantly use
Day 26 DIY yourself, from hair, manicures, brow waxing, etc
Day 27 Get paid for exercising and staying in shape
Day 28 Lose bad habits that cost, Coffee houses, cigarettes, clubs, sneakers
Day 29 Freeze your spending on clothing and makeup items
Day 30 Start making and cooking meals at home
Day 31 Review and make changes to retirement accounts (Quarterly)
Guess what? This is only month one. Accomplishing one of these tasks per day can set you ahead for the year. Did I miss any??? Please leave comments