Does A 2 Year Old Late Payment Hurt Credit Score Let Us Help You Spring Clean Your Finances!

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Let Us Help You Spring Clean Your Finances!

Since spring, we take advantage of every opportunity to open our windows and let in the fresh air. Most of us start cleaning out the garage, cleaning out the outdoor furniture and packing up our old clothes to donate to charity. Why should spring cleaning end with your home? This is the perfect time to get your personal finances in order as well. Consider these recommendations to “clean up” your finances.

Contribute to your 401(k). Make sure you contribute enough to your 401(k) to qualify for maximum matching funds. Your employer wants to give you this free money, so don’t leave it on the table.

Open and IRA. If you own your own business or work for a company without a retirement plan, open an IRA. You can get big tax breaks from opening this type of retirement plan. If you don’t know which IRA is right for you, you can search for “Types of Retirement Plans” at irs.gov.

Check your credit cards. The interest rates on your credit cards can affect your balances and have the potential to add up over time. If your interest rate is increasing your card balances, it’s time to shop around to find a lower rate. Other items that are eligible for credit checks are mortgage loans, auto loans, and even your checking and savings accounts. For a real sense of satisfaction, pay off the balance that is costing you the high interest rate. If you want to cancel your balance before the end of the year, divide the amount owed by 7 and pay that amount each month. Can’t bite that much every month? Move the balance to another card with an introductory rate and pay it off before the deal ends. Make sure there are no high transfer fees.

Open a savings account. Follow these three steps when opening your savings account:

1. Set a financial goal and timeline.

2. Decide how much to save each month to help you reach your goal.

3. Set up automatic transfers into your savings plan from your checking account. That way the transfer is done for you and you won’t miss the money.

Review your credit report. Make sure your credit reports are free of errors. Remember that you can order one free credit report each year from each of the three major credit bureaus. You can get one for free from annualcreditreport.com.

Organize or discard old financial documents. Organize all your bank statements, invoices, bills and other financial records and keep only those that are necessary. Note that you must keep tax returns, canceled checks, receipts and any supporting documents for your taxes for at least six years. Make sure you don’t just throw your important documents in the trash without shredding them. You don’t want them to be taken by an identity thief.

Set up automatic bill payment. Spring cleaning is simply not about decluttering. It’s about making your financial life more efficient. Set up automatic bill payment and link it to your checking account to eliminate any chance of missing a payment and incurring late fees.

Review your budget. Look at your current budget and decide if you need to make any changes.

Pay off as much debt as possible. Spring is a good time to review your outstanding debts and which loans or credit cards you could be paying off. If nothing else, develop a tighter payback plan. Clearing your outstanding debt quickly will put you in a much better financial position for the rest of the year.

Record your financial passwords and keep all your records in a safe place. Make sure you don’t use the same password for all your financial accounts. Protect yourself from identity theft by protecting your passwords and other financial documents in an online secure vault.

Be a community manager. Try to make a difference in your community. Believe it or not, giving of yourself to others will make you feel much richer.

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