January Steps to 2021 Financial Success – Budget 2021

1. Get your credit report for free and set up for credit fraud monitoring to protect it.
2. Learn how to repair your credit and improve it on and ongoing basis
3. Make a list of all your bills, when they are due, how much they are a month, any interest rate, how many payments you have left, all of this stuff is important to move forward.
4. Make a list of all the people you buy gifts for and what size they take now, what they will take close to their birthday, what size next Christmas; it’s an excellent time to get things clearance and beyond.
5. Make sure you are either signed up to Ratken , Shoppers Army, Swagbucks or Airmiles or all 4. Go to their main website to shop for your favourite stores to get cash back ! Love this and it only takes a second to see which one has the highest cash back.
6. Do the gift card challenge! There are 52 weeks in a year and buying one gift card at a time and putting it away for a raining day sure does make that end of the year
7. Do the $ a week challenge, you will have a nice bundle for Christmas, a trip or that extra surprise that popped up.
8. Round up when you pay your bills and make December free, if your internet bill is $80 per month round it up and pay $100 per month so when December rolls around that month is all ready paid.
9. Check these 30 ways to reduce your water bill here.
10. Know how to make the best of these common foods to avoid any waste.
11. Make sure you do your Shoppers Voice 2021