2021 is here!

2021 is right around the corner and many people say “in the new year I am going to do this, I am going to do that.” I say “what can you do on January 1st that you can’t do today?” Especially when it comes to your money. I want to share three ways you can financially prepare for 2021.

Where Are You Now:

Before 2021 arrives take a look at where your finances are today. How much money do you have saved? How much money do you owe other people and what is the exact amount down to the penny? In order to move forward with your money you need to know the answers to these questions.

You can’t say that you want to pay off your student loan debt if you don’t know how much you and who you owe it to. If you don’t have the correct information you may end up paying too much or worse not enough and get hit with a late fee.

Knowledge is the ultimate power when it comes to your money!

Where Do You Want To Be:

What financial goals are you trying to achieve in 2021? Write down your money goals on a piece of paper and be specific as possible. Don’t say that I want to save more money in 2021, but say I want to save $3000 throughout the year which means I need to save $250 a month. Then think of ways you can come up with the $250 each month. Being specific with money goals increases your chances of success!

Can’t think of a way to come up with extra money to save? Look around you. What are you spending your money on now? When you look at where your money goes is there anything you can cut out or cut back on? Do you have more than one streaming app?

If the answer is yes then cut back to one streaming app and put the money saved towards your savings goal. Repeat this process until you find the money you need each month!

Celebrate The Wins: Don’t jump to 2021 without reflecting on 2020. The best way to achieve goal after goal is to make sure you celebrate each win. It doesn’t matter how big or how small the win is, you should still celebrate it. Were you able to cut back on your cable bill and save $50 a month? Celebrate it! Every win counts!

Your goal should not be to make 2021 “Your Year!”, but instead look at it as progression. Just keep moving forward.

Other ways to stay in the know when it comes to your finances!

Tools For Your Money: The Money Attractor Academy

Instagram: @JaNetAdamsSpeak

Facebook: Ja’Net “Dream Girl” Adams

Blog: www.TheMoneyAttractorBlog.com


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International Financial Literacy Speaker and Author

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