New Year, New You
It’s 2013! Start the year off right with small, manageable changes to your lifestyle.
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Do these 11 things this month and start 2013 off on the right financial foot.
- Rebalance your portfolio. Making sure that your asset allocation is in line with your investment goals is an essential part of managing a portfolio. The beginning of the year is an opportune time to do it, and the process may take only a few minutes.
- Track your spending. Whether you use a software program (such as Quicken) or pen and paper, you need to know where your money is going. Break your expenses down into categories—like utilities, insurance, entertainment, and clothing—to identify where you can scale back.
- Set short- and long-term financial goals. Whether you want to be debt-free in 10 years or own a house in five, you’re more inclined to save if you have specific goals. So write them down and determine how much money you’ll need to save each month to reach them.