{"id":354362,"date":"2021-07-27T07:00:00","date_gmt":"2021-07-27T13:00:00","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=354362"},"modified":"2022-02-25T20:09:51","modified_gmt":"2022-02-26T03:09:51","slug":"12-months-of-finance-tips-2019","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/finance\/12-months-of-finance-tips-2019\/","title":{"rendered":"12 Months of Finance Tips for 2021"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"387\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/12-Months-of-Finance-600x387.jpg\" alt=\"12 Months of Finance\" class=\"wp-image-356677\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/12-Months-of-Finance-600x387.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/12-Months-of-Finance-450x290.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/12-Months-of-Finance-900x581.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/12-Months-of-Finance-1400x903.jpg 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/12-Months-of-Finance-2000x1290.jpg 2000w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/12-Months-of-Finance-300x194.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/12-Months-of-Finance-768x496.jpg 768w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p>Money management is an ongoing process. It&#8217;s easier to manage your finances if you break the tasks into smaller pieces. Here are 12 tips, one for each month of 2021, to help you stay on top of your personal finances.<\/p>\n\n\n\n<div class=\"responsive-youtube\"><iframe loading=\"lazy\" width=\"1280\" height=\"720\" src=\"https:\/\/www.youtube.com\/embed\/UKPHrApYzro\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-january-set-a-small-financial-goal\"><strong>January: Set\na Small Financial Goal<\/strong><\/h2>\n\n\n\n<p>The start of a new year is a great time to set\nnew financial goals. Use the <a href=\"https:\/\/toughnickel.com\/personal-finance\/How-to-Set-Personal-Financial-Goals-Budgeting\">SMART<\/a> acronym\nto help you succeed. Write down your goal as it applies to each heading. Here&#8217;s\nhow it works:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-february-get-your-taxes-done-early\"><strong>February: Get\nYour Taxes Done Early<\/strong><\/h2>\n\n\n\n<p>Filing your taxes as early as possible decreases\nthe chances of fraudsters filing phony returns in your name. Make filing your\ntaxes early a priority to avoid <a href=\"https:\/\/www.consumer.ftc.gov\/features\/tax-identity-theft-awareness\">tax\nidentity theft<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-march-use-your-tax-refund\"><strong>March: Use Your\nTax Refund<\/strong><\/h2>\n\n\n\n<p>Decide <a href=\"https:\/\/www.thebalance.com\/smart-tax-refund-investments-4134434\">what to\ndo with your tax refund<\/a> in advance to help you get the most out of it.\nThink about how you can use the refund to achieve financial goals. It could go\ninto your emergency fund or toward paying down debt. Maybe a portion could go\ntoward a vacation or a household renovation project. Apply it toward tuition or\njob training. The important thing is to have a plan in place before you get a\nrefund.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-april-check-your-credit-reports-and-credit-scores\"><strong>April: Check\nYour Credit Reports and Credit Scores<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"387\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/Credit-Score-and-Reports-600x387.jpg\" alt=\"credit score\" class=\"wp-image-356679\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/Credit-Score-and-Reports-600x387.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/Credit-Score-and-Reports-450x290.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/Credit-Score-and-Reports-900x581.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/Credit-Score-and-Reports-1400x903.jpg 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/Credit-Score-and-Reports-2000x1290.jpg 2000w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/Credit-Score-and-Reports-300x194.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/Credit-Score-and-Reports-768x496.jpg 768w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p>Check your credit reports and credit scores\nclosely for errors, and if you find something you question, report it. The\nsooner you find and dispute <ins>challenge <\/ins>errors,\nthe easier it is to get the problem solved. Use <a href=\"https:\/\/www.annualcreditreport.com\/index.action\">annualcreditreport.com<\/a> to\nobtain free copies of all three of your credit reports. You might also consider\nsigning up for a <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-score\/credit-monitoring-apps-and-websites\/\">free\ncredit monitoring<\/a> service to help you keep track of your goals\nand to monitor your credit reports.<\/p>\n\n\n\n<div class=\"responsive-youtube\"><iframe loading=\"lazy\" width=\"1280\" height=\"720\" src=\"https:\/\/www.youtube.com\/embed\/dd34Tm0Dl0I\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-may-consider-professional-credit-repair\"><strong>May:\nConsider Professional Credit Repair<\/strong><\/h2>\n\n\n\n<p>If you have a negative credit history, you may\nwant to consider <a href=\"https:\/\/www.creditrepair.com\/\">professional\ncredit repair<\/a>. Negative credit results from late payments,\ncollections, repossession, tax liens, charge-offs, foreclosure, judgements or\nbankruptcy. They all show up on your credit report and can seriously damage\nyour credit and your personal finances. Credit repair services help you with\nyour credit by challenging negative accounts and possibly even getting them\nremoved from your credit reports altogether. Though they usually charge a\nmonthly fee, these services can be more effective at achieving results than you\nare on your own. <\/p>\n\n\n\n<div class=\"responsive-youtube\"><iframe loading=\"lazy\" width=\"1280\" height=\"720\" src=\"https:\/\/www.youtube.com\/embed\/rBtE6hJzvWU\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-june-read-about-personal-finance\"><strong>June: Read About\nPersonal Finance<\/strong><\/h2>\n\n\n\n<p>The more you understand personal finances, the\nbetter you&#8217;ll be at managing them. Books offer ideas and methods for working\ntoward and achieving your personal financial goals. For paying down debt and\ngrowing an emergency fund, Dave Ramsey&#8217;s <em>The\nTotal Money Makeover<\/em> is a great resource. Or, try David Bach&#8217;s <em>The Automatic Millionaire<\/em> for ways to\nfind money to put in your savings account.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-july-review-bank-accounts-and-cut-fees\"><strong>July: Review\nBank Accounts and Cut Fees<\/strong><\/h2>\n\n\n\n<p>Review bank statements and account details on\nyour bank&#8217;s website to see if you&#8217;re getting the best service for the lowest\nfees possible. You might save money by opting out of overdraft coverage or by\ndownloading your bank&#8217;s ATM locator app to your phone. Consider switching banks\nor <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/6-excellent-reasons-to-join-a-credit-union\/\">adding an\naccount at your local credit union<\/a>. Use online tools to compare\nfees, rates and services of national, online and local banks. <a href=\"https:\/\/www.mycreditunion.gov\/about-credit-unions\/credit-union-locator\">Credit\nunion locator<\/a> lets you compare local credit unions and their\nmembership requirements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-august-financial-goal-check\"><strong>August: Financial\nGoal Check<\/strong><\/h2>\n\n\n\n<p>Have you achieved the financial goal set in\nJanuary? If not, refocus and get back on track. If so, how can you build on\nthat goal? Can you start a new SMART goal now?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-september-teach-your-kids-more-about-money\"><strong>September:\nTeach Your Kids More About Money<\/strong><\/h2>\n\n\n\n<p>Teach small children about banks by taking them\nin to open their own savings account. Have them deposit birthday money and cash\nearned from helping around the house. Take them shopping and teach them to\ncompare prices and sizes and to use coupons so they can spend their money\nwisely. Teach your teens about taxes, filling out W-4 forms and using checking\naccounts. Show them how tuition rates and college choice affect student debt. Teach\nthem the <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-repair\/credit-reports-parents-explain-teens\/\">basics\nabout credit<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-october-have-fun\"><strong>October: Have\nFun<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"387\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/finance-and-fun-600x387.jpg\" alt=\"girl having fun\" class=\"wp-image-356678\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/finance-and-fun-600x387.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/finance-and-fun-450x290.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/finance-and-fun-900x581.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/finance-and-fun-1400x903.jpg 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/finance-and-fun-2000x1290.jpg 2000w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/finance-and-fun-300x194.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2016\/01\/finance-and-fun-768x496.jpg 768w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p>Make a conscious effort to spend on things that\nbring joy and meaning to your life. Think about how you&#8217;ve been spending money\nthis year. When you spend on things you enjoy, you&#8217;ll get much more out of your\nmoney. Make a conscious effort to plan your spending for next month.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-november-spend-less-money-and-spend-more-time-during-the-holidays\"><strong>November: Spend\nLess Money and Spend More Time During the Holidays<\/strong><\/h2>\n\n\n\n<p>As a family, make the holidays about doing\ninstead of getting. Get together and choose fun activities to do. Spend time\nwith each other instead of spending money on toys that break and electronics\nthat separate family members instead of bringing them together. Create memories\ninstead of debt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-december-prepare-tax-information-for-next-year\"><strong>December:\nPrepare Tax Information for Next Year<\/strong><\/h2>\n\n\n\n<p>Start compiling tax documents so you&#8217;re ready\nto file as soon as your W-2s or 1099s are in. Remember, this is a great way to\navoid identity fraud at tax time.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p>Make it a habit to think about your money each\nmonth. For more help on repairing your credit, contact CreditRepair.com for a <a href=\"https:\/\/www.creditrepair.com\/\">free credit evaluation<\/a>.<\/p>\n\n\n\nCarry on the conversation on our social media platforms. Like and follow us on <a href=\"https:\/\/www.facebook.com\/creditrepaircom\/\">Facebook<\/a> and leave us a tweet on <a href=\"https:\/\/twitter.com\/creditrepair\">Twitter<\/a>.\n\n\n\n<p><em>Article Updated July 27, 2021<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Money management is an ongoing process. It&#8217;s easier to manage your finances if you break the tasks into smaller pieces. Here are 12 tips, one for each month of 2021, to help you stay on top of your personal finances. January: Set a Small Financial Goal The start of a new year is a great [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[158],"tags":[167],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.5.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>12 Months of Finance Tips for 2021 - CreditRepair.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.creditrepair.com\/blog\/finance\/12-months-of-finance-tips-2019\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"12 Months of Finance Tips for 2021\" \/>\n<meta property=\"og:description\" content=\"Money management is an ongoing process. It&#8217;s easier to manage your finances if you break the tasks into smaller pieces. Here are 12 tips, one for each month of 2021, to help you stay on top of your personal finances. 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What prompted her interest in covering personal finance was her early experiences with credit cards and the successful completion of a debt management program in her mid-twenties when her credit card balances got out of control. What she learned during that process was priceless and now she shares those positive, tough lessons with you. Naomi has a BBA in Marketing from Pace University in New York City with a minor in Consumer Behavior, which started her on a path as a retail industry copywriter and reporter. What she learned as a retail industry insider makes her a specialist in smart shopping and finding or taking advantage of deals and discounts. She never writes about anything if she has not taken the advice from experts herself first! 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