There’s a reason for all of those January sales at the beginning of the new year; we’re all broke after Christmas and have very little to shop for. Just because there are a lot of great offers out there doesn’t mean that you should take advantage of all of them, though, and particularly not now when your focus should be on saving money and getting back on track.
Here is a handful of ways to get you started on a great financial year so that you can round up 2019 with a feeling of being slightly richer than the previous year. It just makes it a bit easier to stay happy and positive about the future.
#1 Working out a new budget
Sure, you probably have a budget you’re trying to stay on top of just like everyone else. A new year means new opportunities, however, perhaps a promotion or even a few extra expenses; working out a new and improved budget right from the start means that you’re doing your best to plan for the future.
Look at how you saved and how you spent during the year that passed and consider what you can do to be even more money savvy.
You might be able to up your savings slightly, for example, and cut down on the number of times you’re eating out.
No matter what it is, looking at the year of expenses that was while working out a new
budget for this year will help you to gain a bit perspective.
#2 Pair your diet goals with your budget goals
The great thing about starting a new year is that we tend to be quite optimistic about our own goals. If one of your new year’s resolutions is to eat healthier, you can definitely pair this with your financial goals as well – and you won’t really have to live off rice and beans either.
Buy your produce in bulk, first of all, and keep in mind that you can always freeze fresh vegetables as well to keep them tasty for longer. Focus more on eggs and chicken, in general, and learn to love your slow cooker while it’s still cold outside; it will give you many healthy and affordable meals for the year to come.
#3 Find the best offers
No matter how much we talk about saving money and cutting down on our expenses, we will still need to pay up once in a while in order to live comfortably.
Using the Internet to find all of those great January offers and exceptional deals is, of course, the best way to do this – and you can even redeem gift cards for cash if you got a few of them after the holidays.
Keep your eye on the things you usually buy or the items you’ve been looking at for a while and, like a cat, you lay low until it’s time to strike. This is only when the price is off with about fifty percent, by the way, which shouldn’t be too hard to come by during the next month.