This year has gone by so quickly! It’s time to start thinking about what your goals are and how you’re going to accomplish them for the next year. What’s special about this next year is that it’s not only the start of a new year, but the start to the next decade. Take these steps to help you have a better financial future in 2020 and beyond!
 
Review Your Finances
The first step to having a better financial future is to review your current finances and see where you currently stand in comparison to your goals. Review your credit score, see how much you have saved up in an emergency savings account,  calculate all of your debt, and check in on your investments. Doing this check will help you brainstorm on what you need/want to accomplish financially.

Figure Out Your Financial Goals For The Next 1, 3, 5, and 10 years.
A great way to stay ahead of the game is by figuring out what your financial goals are in the next decade. By breaking them down into 1, 3, 5- and 10-year goals, you can have a mix of short- and long-term goals to work towards. For example, your 3-year goal may be to get out of credit card debt and your 10-year goal may be to be debt free all together. Reviewing your finances in the last step should help you come up with goals on where you may want to improve.
 
Review or Set Your Budget
Having a budget is a great way to keep on top of your finances throughout the year. It will help you to save money and ultimately improve your financial situation. If you’re already budgeting (good job!) it may be a good idea to review your current budget plan and revise it as needed. Did you start getting in some extra income or realize you can adjust your budget in certain areas? It’s the perfect time to adjust as necessary.
 
Pay Yourself First
One of the best ways to get ahead is by paying yourself first. Setting aside a small portion of your income to put towards savings should come first before even paying bills, buying groceries, giving allowance or buying something new. When you make it a priority to pay yourself first and put that money towards savings, you’re guaranteeing that you’re making efforts towards some of your goals – whether that’s buying a new car, building up your emergency savings, or something else entirely.
 
Take Advantage of Rewards
If you have an opportunity to earn rewards with a credit card, debit card, or even through couponing – take advantage of these rewards. Look for opportunities where you can save or earn. For example, our Kasasa Free Checking accounts reward you for doing things you’re probably already doing. Kasasa Cash gives you dividends and Kasasa Cash Back gives you cash back on your purchases. The way to qualify is by actively enrolling and receiving eStatements, checking your online banking account, and making 12 debit card purchases each month. It’s that easy to earn rewards that can help you save.
 
Most Importantly, Follow Through
While forming a plan to have a better financial future is all good and well, it does nothing if you don’t actually follow through with the plan. Following these steps and holding yourself accountable for making change will help you get to the place you’d like to go financially.