Keeping track of finances can be a headache for the average person. But if you want to improve your financial situation, you’ll need to be proactive about it. Here are five ways to improve your finances in five minutes:
- Know Where You Stand
If you don’t know where you stand financially, making improvements can be tough. Find out your net worth – the total amount of liquid cash and investments you have minus any debt you owe. You should also check your credit score while you’re at it.
- Track Your Spending
Rather than tracking every penny you spend, try tracking categories. You can use free financial tools, like Mint.com, to create categories and manage how much you are spending in each.
- Explore Cash Back Options
One of the best ways to improve your finances is to choose credit cards that offer you cash back for every dollar you spend. If you are spending money anyway, why not get a little bit of a reward in return?
- Ask for a Favor from a Creditor
It might sound crazy, but writing a goodwill letter to a creditor asking them to remove a negative mark on your credit history – especially if your late payment was a one-time occurrence – might just work.
- Compare & Save
You might be able to save a bundle by comparing things like car insurance plans, cable packages, and other things that you pay for monthly.
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