1) Use electronic tools. First and foremost,
make use of online banking to monitor your checking account. In addition, there
are free online applications to help you manage your money. One such resource, mint.com, automatically pulls together all of
your various accounts to help you see the big picture.
2) Keep receipts. At the start of the new year,
designate a folder to hold receipts for any potentially tax-deductible
expenses, including medical bills. Asterisk receipts for expenses you need to
scrutinize.
3) File away. Establish folders for bills and statements. Create a
tickler file for notes or actions that need attention at a future date. Get in
the habit of reviewing the contents of your tickler file on a regular basis.
4) Take notes. Carry a notepad with you to keep
track of purchases and even must-have items you’d like to save up for. You can
also jot down great deals or resources that support your financial goals.
5) Get in a groove. Identify at least one hour during
the week to devote to managing your personal finances. During this time you can
pay bills or catch up on any aspect of financial management. Making your
finances a priority is an important aspect of fiscal responsibility.
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Renée A. Hanson, CFP®, CEP®, CDFA™, CFS, is a private
wealth advisor with Hanson, Ayala & Associates, a private wealth advisory
practice of Ameriprise Financial Services, Inc. Her passion is in helping women
achieve their dreams and financial goals, regardless of life’s many obstacles.
Renée is licensed/registered to do business with U.S. residents only in the
states of AZ, CA, CO, GA, IA, IL, MI, MN, MT, NH, NJ, NM, NY, OH, PA, SC, TX,
VA, WA, WI. Please visit: www.reneehanson.com to learn more.
Brokerage, investment and financial advisory services are
made available through Ameriprise Financial Services, Inc. Member FINRA and
SIPC. Some products and services may not be available in all jurisdictions or
to all clients.
© 2011 Ameriprise Financial, Inc. All rights reserved.
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