Start the New Year Off Right

Share with us what you need and we’ll help you with a financial plan to beat all previous New Year’s resolutions!
2. Pay Yourself First. We offer special tools that help you get the best use of your paycheck. Utilize direct deposit or
payroll deduction to force regular savings habits and to save time on payday.
3. Spot-Budget for 2013. Target challenge areas such as clothing or entertainment, and build a budget around them.
Get a book that will allow you to save receipts for these categories and take notes on how well the budget is working.
4. Check Your Credit Report. Make a ritual of checking your “slate” at the beginning of the year to be sure it’s clean. If you
are unsure of how to obtain a copy of your credit report, contact the Credit Union. 5. Take Care of Any Charged Holiday
Expenses Early.
5.Put a cap on holiday charges. If consolidating your credit cards at a lower rate is in order, handle it soon after the new year. We always have valuable tools to help you manage your debt.
6. Create an emergency fund. Start by returning unwanted gifts quickly so that you don’t get stuck with a reduced price, or
go to eBay to auction off those items you’ll never use. Having the money in an account is far more practical than saving those items for next year’s white elephant or re-gifting!
7. Be Realistic with your Resolutions.

Those that are not based on reality often end up broken within the first week of the new year. Think about your habits and break down your resolution into small tasks or behavioral changes. You’re more likely to succeed in making a
change, and will be able to look back on 2013 with satisfaction.

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