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25 Outstanding Personal Financial Tips for 2013

2013 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.  “Start by taking a realistic look at your financial situation and what things you would like to improve,” states Jana Castanon spokesperson for Apprisen.  “Then, review the following tips and try to incorporate a minimum of 5 into your routine.  Once you are experiencing success with those, add a few more!!”  Changing financial behaviors doesn’t happen overnight, it is a process, but you need to take the first step.

1.Evaluate the cost of your current lifestyle

2.Know your net worth – (Assets – Liabilities = Net Worth) .

3.Put your next pay raise towards your 401K

4.Look in your refrigerator and cupboards for items you can use for meals before you go grocery shopping then…

5.Plan your weekly food menu and shop with a list accordingly

6.Make a list for the food you need at the store

7.Donate your time or goods to charity; it may be a tax deduction, but will definitely make you feel good

8.Make gifts instead of buying them

9.Be a savvy shopper, do your homework to find coupons and sales before you leave the house

10.Look for phone apps that can assist you in tracking expenses, coupons, financial tips, etc.

11.Track every penny of you spend for two weeks

12.Save your change

13.Pull your free credit report at and pay the nominal fee to check your score

14.Change one spending behavior a week, and put that money you would have spent in your savings account

15.Pay more than the minimum payment on your credit cards

16.Take care of your own financial responsibilities before taking on those of others

17.Give yourself a weekly cash allowance for food and entertainment

18.Teach your children the difference between wants and needs

19.Shop only with a specific purchase in mind

20.Know the terms and conditions of every credit agreement before you sign them

21.Refuse to pay bank fees!!  Go only to network ATMs, and use a check register to record your account balance

22.Subscribe to multiple coupon sites, but unsubscribe if you can’t turn down a good deal

23.Cosign for a loan only if you are prepared to pay for it

24.Recycle clothing through consignment shops

25.Make an appointment for a no-cost initial consultation with a certified counselor at Apprisen if you don’t know where to start getting your finances on track


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

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