Marcia's Blog

End of Year Money Tips for 2018

Before you get caught up in the last-minute hustle and bustle of the holidays, set aside 15 minutes to focus on your finances. Read on to discover the three steps that can make all the difference for your 2019.

At this time of year, it seems that all of our time is spent shopping, decorating and making holiday plans. But there’s one more thing we should take a few minutes to focus on: our 2019 finances.


Getting our mindset right is the key to unlocking our dreams and turning our financial goals into reality. Here are three steps we can take before the year runs out that will have us in a better financial frame of mind in the new year.


Step one: Acknowledge and celebrate the successes. What are you most proud of when it comes to your finances in 2018? It’s easy to talk about all of the things we did wrong but it’s also important to acknowledge areas of improvement. Maybe you paid down a little debt. Perhaps you saved a little more than in years past. Maybe you cooked more often and spent less eating out. Take a few minutes to write down your financial achievements and savor them.


Step two: Note the areas where you can do better. Now that you’ve focused on what you did right, take a few minutes to think about where you can improve. Can you find areas in your budget to cut so you can save more? Can you call around to your credit card issuers and ask for a lower interest rate so you can get out of debt sooner? Write down three things you can do to improve your finances.


Step three: Commit to some form of financial education. According to the 2018 Consumer Financial Literacy Survey by the National Foundation for Credit Counseling, 8 out of 10 Americans say they could benefit from the advice of a financial professional who could answer their questions about money. We all do better when we know better. Let 2019 be the year that you find out how to take your finances to the next level. Find out how to save more and benefit from investments such as real estate whether you’re a first-time homebuyer or exploring the idea of rental properties. Contact HomeFree-USA to find out how a homeownership advisor can help you plot your financial path for 2019. This time next year, you’ll be glad you did!