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20 Outstanding Personal Financial Tips for 2012

2012 is here and now is a perfect time for consumers to review their financial behaviors that could be prohibiting them from reaching their financial goals.  Jana Root, Spokesman for Apprisen Financial Advocates, suggests reviewing the following financial tips and make a commitment to incorporate a minimum of 5 into your routine.  Once you are experiencing success with those, add a few more!!  It is taking this process one step at a time that will lead to a brighter, more financially fit future!!

  • Evaluate the cost of your current lifestyle
  • Track every penny of your spending for two weeks
  • Save your change
  • Change one spending behavior a week and put that money you would have spent in your savings account 
  • Write down your short term, mid term and long term financial goals and put them in a place where you can see them everyday
  • Take care of your own financial responsibilities before taking on those of others
  • Give yourself a weekly cash allowance for food and entertainment
  • Teach your children the difference between wants and needs
  • Plan your weekly food menu and shop with a list accordingly
  • Don’t go out shopping without a specific purchase in mind
  • Know the terms and conditions of every credit agreement before you sign them
  • Be a savvy shopper, do your homework to find coupons and sales before you leave the house
  • Refuse to pay bank fees!!  Go only to network ATMs and use a check register to record your account balance
  • Know what is on your credit report. You are entitled to one free copy from each credit bureau once a year from
  • Participate in your company’s 401k plan
  • If you subscribe to multiple coupon sites and can’t turn down a good deal, unsubscribe
  • Don’t cosign on a loan if you are not prepared to pay for it
  • Recycle clothing through consignment shops
  • Create a plan to pay down debt
  • Start Today!!  If you need help seek out Apprisen Financial Advocates to assist you in reaching all of your financial goals

About Apprisen
Apprisen Financial Advocates, a national nonprofit Financial Services agency, has been helping consumers manage their finances and get out of debt for over 55 years. Certified counselors provide money management, debt counseling, HUD-approved housing counseling and financial education. Services are provided in-person in 10 states through local offices and nationally by phone or the Internet. The oldest nonprofit Financial Services agency in the country, Apprisen Financial Advocates is known in its local communities as Consumer Financial Services Service (CCCS). Accredited by the Council on Accreditation (COA), Apprisen is a member of the National Foundation for Financial Services (NFCC), the Better Business Bureau (BBB), and AICCCA. Information is available 24/7. Call 800-355-2227 or visit the website, You can also follow CCCS/Apprisen on Facebook and on Twitter.




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