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  • A Better Year

    A Better Year

    A new study reveals Americans’ top financial New Year’s resolutions

    It’s almost the end of the year, and that means financial New Year resolutions are probably on your mind. Here are Americans top financial resolutions for 2020, according to a study from Principal Financial. Perhaps some are worth considering yourself.

    1. Save More Money Each Month

    The number one financial resolution for Americans in 2020 is to save more money each month. About 45 percent of all Americans want to accomplish this goal. One way to make that happen is to make sure you’re automating savings as much as possible. If your money is out of sight (and in savings) it’s easy to put it out of mind.

    2. Reduce Spending Every Month

    Coming in close behind the number one goal of saving more monthly is reducing monthly spending. A likely culprit for overspending each month is subscription services. Comb through your budget and cut back on the ones you don’t use. Take that cash and put it in savings or build up your emergency fund.

    3. Pay Off Credit Card Debt

    About 33 percent of Americans want to pay down their credit card debt in 2020. If you want to accomplish that goal too, it pairs well with the second most popular resolution above. When you reduce monthly spending, you free up cash to funnel toward credit card debt. As USA Today reports, once you have that extra cash, pay down the card with the highest interest rate first. With interest rates low, a balance transfer card with a low rate for a significant chunk of time may also provide a helping hand.

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