Now that the New Year is well on its way, have you taken the time to analyze where your finances are as compared to the beginning of last year? Do you think you will still need to use a safe payday loans direct lender when emergencies pop up or have you already a plan in action to prevent them? Were you able to complete any of your last year’s financial goals? If not, how can you make them work this year?

When you do look at your finances, make sure you cover them with a fine toothed comb. Compare current interest to last year’s rates especially on credit cards. If you still have payday loan lender debt, you should make that payoff your number one priority above all other including saving. Are you still making the same salary? Do you see an increase in utility charges? How much debt do you owe as compared to last year? How much of your salary was spent on interest? Home mortgages and student loans are considered good debt so pay the most attention on the bad debt – credit cards and short-term loans.

Could you use holiday gift money or part to all of your tax return to make a difference? You may not want to give up the chance to splurge but in the long-run, your budget will have extra cash to work with once debt is paid down or paid off. Keep from adding more debt onto your financial plate and your budget will be able to provide opportunities to splurge, go on vacation or save for the future.

If you recognize that your finances are better than last year but are not where you hoped they would be, take the time to find out why. It is often said that the best education comes from the learning from mistakes in your past.

-Do you notice trouble around holiday or birthdays?

-Did the summer or winter electricity bill affect your budget?

-How did you handle unexpected costs? Did you use a direct payday loan lender to help support the added cost or did you solve the problem with credit? Either one of these is a successful option but it must get paid off quickly in order to be cost effective.

-Did your family grow? A new marriage, baby or even a pet will demand a budget evaluation. You will have to plan for additional costs. If you haven’t already reworked the budget, you will want to do so as soon as possible.

Do you need to finish last year’s goals before you can start this year’s or should you combine the two together? You may find that some of them are very similar and it would work well to design your new goal to accomplish double duty. What is it going to take to make a difference in your financial matters during the rest of the year? If you are unsure of your ability to create a functioning plan, check with a family member or friend who was once in a similar situation or is knowledgeable in the field.

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Now that the New Year is well on its way, have you taken the time to analyze where your finances are as compared to the beginning of last year? Do you think you will still need to use a safe payday loans direct lender when emergencies pop up or...