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25 Money Related New Years Resolutions To Afford Your Best Year Ever!

Dec 11, 2019 | Master Your Money | 0 comments

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Ah, 2020. She snuck up fast, didn’t she? I know you want to afford the best year of your life (cuz why wouldn’t you), and I’ve got a secret:
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You’re gonna need to make some money changes in 2020! Because here’s the dealio: To afford an epic 2020 (I’m talking bills paid, debt gone, savings up, vacations booked), you need to make some money New Years resolutions! These are the best money new years resolutions to get started with next year:

1.  Start Budgeting

Having a budget will relieve tons of money stress that you don’t need weighing you down next year. To get started with budgeting, read this post and choose a budgeting method that works best for you. Once your budget is set up, don’t forget to track it throughout the month to make sure you’re sticking to it!

2.  Save money on expenses

If you take a gooood look at your budget, I’m willing to bet that we’d agree on this: You’re wasting money each month! Next year, vow to stop throwing your hard-earned cash out the window by saving money on your expenses. These are my top 3 ways to save money on your expenses:

1.  Connect your bank accounts to Trim who will analyze your spending and negotiate lower prices for your bills. (I saved $150/month after signing up for Trim!)

2.  Switch to Mint Mobile to decrease your cell phone bill by $100+!  (Don’t worry, you can keep your current phone.)

3.  Use $5 Meal Plans to save tons of money on food.

Related Reading: 14 Ways To Save Mad Cash Every Month, Trim Review: Scam Or Legit?

3.  BECOME DEBT FREE

Debt is a total money sucker.  And, an unnecessary expense. And, while debt can seem like a never-ending hole you’ll be trying to dig yourself out of forever, you’ve got to start somewhere. Next year, use the debt avalanche method or personal loan consolidation to work towards becoming debt-free!

4.  Build an emergency fund

Start building an emergency fund next year to prepare for unexpected expenses, job loss, and more. This emergency fund challenge is a great place to start for this money New Years resolutions!

5.  STOP USING CREDIT CARDS

Credit card debt can wreak havoc on your finances if you aren’t smart about paying back your balance. And, unfortunately, most of us are using credit cards as replacement income and cannot afford to pay much more than our minimum payments. This means one thing: You’re spending wasting a crap ton of money on interest costs (and will for yearssss!) So, next year, STOP USING CREDIT CARDS for good. (Got credit card debt?  Use this guide to save money while paying it off.)

6.  SAVE FOR A HOUSE

Make a money New Years resolutions to challenge yourself to save for your dream home this year! We’ll be doing it with you 🙂

7.  BECOME MORE FINANCIALLY RESPONSIBLE

Do you know exactly how much money you make each month?  How about how much money you spend each month? If not, you could benefit from becoming more financially responsible next year. Because, here’s the real deal: If you don’t know how much money you’re making or spending, you aren’t making wise financial choices. So, to afford your best year ever next year, organize your finances with our Budget Boss Binder and set yourself up for financial success!
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8.  START INVESTING YOUR MONEY

To start investing your money, you can:

1.  Use an investment app like Acorns to make investing super simple

2.  Invest in an income property that you can rent out or list on Airbnb

3.  Read this guide on how to start investing in the stock market

9.  CULTIVATE A POSITIVE MONEY MINDSET

Being rich (and affording your best life) all starts with your mindset. This is crazy, but: Your thoughts about money (i.e., “I don’t deserve to be rich,” “I am poor.”) will dictate whether or not you achieve your financial goals. It really is true:  If you think you are poor, then you will remain poor. So, next year, make certain that you crush your money goals by focusing on a positive money mindset! You can get started by reading this post and saying these money affirmations.
Related Reading:  How To Get Rich Using Your Mind

10.  START SAVING FOR RETIREMENT

Start saving for retirement with a Roth IRA.

11.  BE MORE FRUGAL

Here’s the deal: You can live frugally and still enjoy your life (and money). Better yet: You need to live frugally to afford your best life. Look at it this way:  If you embrace a frugal lifestyle and save money on things like food and clothes, you’ll free up tonssss of money for things like vacations and experiences. To live more frugally in 2020, read this ultimate guide to frugal living!
Read Next…
Who knew saving tons of money could be so simple? Furthermore, who knew you were missing tons of opportunities to save money while buying the things you already do?

12.  DONATE MORE MONEY

Remember how I mentioned that your thoughts about money determine your reality with money? Well, the same goes for your actions with money. You see:  When you give your money away to charities you’re passionate about, people in need, or communities in despair, you’re showing the universe that you’re living a life of abundance, gratitude, and love. And in turn, you’ll receive more abundance, gratitude, and love. So, donate more money (or time) next year <3

13.  ORGANIZE YOUR FINANCES

Organize your finances like a boss in 2020 by using our 40+ page Budget Boss Binder!

14.  EARN CASH BACK FOR YOUR PURCHASES

Stop leaving free money on the table next year by earning cash back for your everyday purchases. The best way to earn the most cash back is by doing this:

1.  Use Rakuten (Ebates) when shopping online to earn instant cash back on your purchases (You can also score cash back on in-store purchases by connecting your debit/credit card to your Rakuten account.)

2.  Download the Ibotta app and upload pictures of your receipts to earn easy cash back.

3.  Connect your debit or credit card to the Dosh app to earn instant cash back on eligible purchases (without doing any work!)

Doing these 3 things puts $100 (or more) back in my wallet every single month!

15.  STOP FIGHTING WITH BAE ABOUT MONEY

Ugh.  Fighting about money is so overrated! Don’t let something silly like money ruin yours and bae’s relationship. Instead, either work together to set up a budget or split your financial responsibility 50/50 to avoid future fights about whether or not you can afford that late-night Taco Bell run.

16.  FIND WAYS TO TRAVEL MORE ON A BUDGET

Do you wish you could travel more but don’t know how you could ever afford to? Next year, do these 3 things to make traveling a priority in your life:

1.  Add a travel category to your budget where you put aside money specifically for traveling

2.  Use discount travel websites, Airbnb, and Groupon to save money on flights, hotels, and activities

3.  Create a travel saving plan to afford your ultimate dream vacation

Ahhhh, see ya in paradise 
cool

17.  TEACH YOUR KIDS ABOUT MONEY

It is never too early to start teaching your kids the value of a dollar. (Honestly, I wish somebody had taken the time to teach me before I got my first apartment!) Knowing how to budget and manage your spending is an essential part of life, so do your kids a favor and set them up for financial success at a young age. This post will give you tons of ideas and activities!

18.  MAKE MORE MONEY

Making more money is always on my to-do list.  And that remains true as we head towards 2020. Use these ideas to increase your income next year:

1.  Start a blog (make as much as $10k/month!)

2.  Manage a few side hustles

3.  Ask for a raise

4.  Switch careers

5.  Invest in an income property

6.  Rent out spare bedrooms on Airbnb

7.  Take surveys in your spare time

8.  Get paid to watch TV

9.  Purge your home and sell your stuff

10.  Postmate on the weekends (use code FL-XP1V7 at signup!)

Ballin’!
via GIPHY

19.  SWITCH TO A BETTER BANK

Paying fees to your bank is sooo last year. Next year, don’t be caught paying outrageous fees because you overdrafted your account by $2.37. How, do you ask? By switching to Chime Bank, of course! But for real:  Chime won’t hit you with a fee when your account is overdrawn, there are no minimum account balances, and you will get your paychecks two days early when you bank with them. Oh…and just when you thought it couldn’t get better, it does. When you sign up for a Chime bank account, they’ll deposit $50 into your account! 
money-mouth
You can read more about why I love Chime in this post.

20.  REFINANCE YOUR STUDENT LOANS

Got student loans? Get rid of them next year by refinancing them with Credible to lower your interest rate and reduce your monthly payments.

21.  DECREASE YOUR PERSONAL SPENDING

Do you know how much money you spend on fast food each month?  Trips to Target?  Coffee runs? Get in the habit of tracking your personal spending next year.  (You’ll be shocked at how much money you’re spending!) Then, you can redirect that money into a savings account for your next vacation! (Our Budget Boss Binder includes spending trackers!)

22.  AUTOMATE YOUR BUDGET

Automating my budget was the best. thing. I. ever. did…(sorry kids!) I [almost] never have to think about budgeting anymore since setting up an automated budget! You can learn how to automate your budget by reading this post.

23.  TRY A NO-SPEND CHALLENGE

Do you think you could do a no-spend challenge for the whole entire year? Hey, tell me I can’t and I’ll show you I can!

24.  INCREASE YOUR CREDIT SCORE

This is one of my favorite money new years resolutions: Join the 800 club by working hard to increase your credit score next year. You can do this by paying down debt, paying your bills on time, diversifying your loan history, and more!

25.  DON’T LET MONEY DICTATE YOUR HAPPINESS

Because we need money for what feels like everything, it can be difficult not to correlate it with happiness. But, at the end of the day, we must all realize that money is not the most important thing in life and having a lot of it doesn’t automatically mean we’ll be happy. So, in 2020, set money new years resolutions to continue improving your money mindset so you can be happy with what you have and open to receiving more abundance!
There you have it!   The 25 best money New Years resolutions to afford your best life in 2020!
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– michelle
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