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What financial strategies will you adopt in 2012 to make your life better?

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New Year has finally arrived. What kind of financial strategies will you adopt in this year to make your life better?




First, I will get debt management, and start paying my debts, then be the christian I am and stop making bills I can't pay and begin paying all my debts. I will also make a budget plan and stick to it. I also will begin paying my tithes as God wants me to as the Bible teaches us. I will also start making deposits into a savings account so in the future I won't be having these problems when I have a death in the family or family emergency.

Sub: #1 posted on Mon, 01/02/2012 - 22:49

cyndeebear cyndeebear

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I will write every transaction into my check book and follow my monthly budget to a tee. I will also discuss finance with my husband and go over the bills with him at the beginning of each month. Also, when I do go shopping I will follow the list that my husband and I have made and if there is something that I want I will ask myself if it is worth me going into financial debt or not.

Sub: #2 posted on Tue, 01/03/2012 - 15:23

bcw102497 bcw102497

(Posts: 23 | Credits: )

I have a few things I am going to do. First of all stop smoking! My husband and I have both smoked for over 20 years and at 1 pack a day each, we pay $11 a day to kill ourselves. So we both stopped on the 1st on January.
I am also going to stop using payday loans. If i cant afford it I dont need it. Unfortunatly I am still working my way out from under a few of theses now.

Sub: #3 posted on Wed, 01/04/2012 - 13:18

tinacasto tinacasto

(Posts: 1 | Credits: )

Bud Brewster in 2012 I, plan on cutting down on spending for things i need rather than things I,don't need,the real secret to staying out of debt is don't create it in the first place,but this is me but people can do whatever thy want with their money,because it is their money.so that's my answer,hope it helps someone.

Sub: #4 posted on Sat, 01/07/2012 - 14:00

realisticbrewster realisticbrewster

(Posts: 1 | Credits: )

I want to have good credit and pay my bill. Is simple because i no have many dept. I want money no much but the necessary to live. In puerto rico the economy are bad and the people are desesperate but i want to adapt new financialstrategies with your help to make me and my family a life better . Thank you for give a best life.

Sub: #5 posted on Mon, 01/09/2012 - 05:27

maggiecajigas maggiecajigas

(Posts: 1 | Credits: )

In 2012 I plan to consolidate my debt into one with the hope of cutting my interest rate in half. I plan to read and use Dave Ramsey's Financial Peace University techniques. I plan to close my credit accounts and find ways to cut any cost. I plan to get a second job and try and carpool to my primary job. Anytime I am close to spending money on something not necessary or that I could do without, I plan to put that money in a savings account instead, as though I spent it, but didn't. I plan to buy clothing from thrift stores when needed and I hope to start educating myself with skills that will be useful to getting a better job continuously and becoming an employee that is not expendable. I hope to have a plan to go back to school by 2013 also. If any repairs are needed to my vehicle I will try and do it myself or find friends. I plan to do all things myself that I can first. I also plan to pray and ask God for his guidance and Hand in helping me create financial freedom, especially because I want to have the financial ability to bless others and give money to them when they need it.

Sub: #6 posted on Tue, 01/10/2012 - 12:06

danapeightel danapeightel

(Posts: 1 | Credits: )

I will become more financially stable by living within my means. In this society, most consumers try to keep up with the Joneses instead of buying what their income can afford. This "keeping up with the Joneses" has caused me to spiral into a whirlwind of debt that I have not been able to get out of. Payday lender after payday lender ( five in total ) have drained me dry in fees. What has happened is instead of enriching my life, more of a strain has been put on my livelihood because i am just robbing peter to pay paul. I intend on using my entire tax refund to put this mess behind me, putting any remainder in a savings account that i will add on to each pay period. I will strive to have at least 3 months salary in my account at all times, so that I will no longer need a payday loan to make it.

Sub: #7 posted on Tue, 01/10/2012 - 15:33

mrsjord09 mrsjord09

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Better budgeting, smarter choices on grocery buying and refusing to buy items I don't need, such as 5 hour energies and starbucks. We're also cutting out eating out and cooking at home more, and being less wasteful by not being so liberal with things like sugar and ketchup - cutting out the gluttony.

Sub: #8 posted on Wed, 01/11/2012 - 07:13

estesamyr estesamyr

(Posts: 1 | Credits: )

I will live on cash and only cash -- I never want to go back to credit cards again -- I have lived with credit for over 20 years and it is really tough to get out once you get in a hole.

I am halfway out -- can see the sunlight peeking -- and want to live debt free. If I can afford it with cash, then I will buy it and not pay for it later.

I also want to save money. My son will be going to college in two years and I want to put something away for him as well as my retirement.

Sub: #9 posted on Wed, 01/11/2012 - 12:08

chrissyhen1 chrissyhen1

(Posts: 152 | Credits: )

To pay off all debt and not make any new ones.
pay extra on credit cards and automobile loans pay down interest and principal.no borrowing money from relatives.become financially fit in 2012 spend less on grocercies,spend less on movies,buy the necessities,no spending on entertaiment, sports games, get on strict budget.

Sub: #10 posted on Wed, 01/11/2012 - 15:03

tman tman

(Posts: 2 | Credits: )


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