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The new year is a fresh start—and the perfect time to take control of your financial future. Whether you’re settling into your home or planning for your next big goal, small actions today can lead to lasting success.
Here are 3 simple steps to help you build a stronger financial foundation:
- Create a Budget That Works for You
Take control of your spending by setting up a budget. A great starting point is the 50/30/20 rule: allocate 50% of your income to essentials (like housing and groceries), 30% to things you enjoy (like dining out or hobbies), and 20% to savings and debt repayment. - Automate Your Savings
Saving money doesn’t have to be a chore. Set up automatic transfers to your savings account with each paycheck. This ensures you’re building your savings consistently without having to think about it. - Monitor Your Credit Regularly
Your credit score is a key part of your financial health. Use free tools to track your credit and access your free annual credit reports from each bureau at AnnualCreditReport.com. Staying informed helps you protect and improve your credit over time.
Ready to make bigger financial changes this year? Whether it’s leveraging your home’s equity, refinancing, or moving into a new home, we’re ready to help. Contact us today and let’s get you closer to your goals.
Sources deemed reliable but not guaranteed: NerdWallet.com – How to Budget Money in 5 Steps & Consumer.FTC.gov – Free Credit Reports
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