[ By Michelle Glassburn ]
Millions of Americans make financial resolutions – the challenge is keeping them. But, with a few easy steps, you can reach success. First, get organized. Invest in a file cabinet and create sections for both current records and archives.
Second, know what you owe. Go to annualcreditreport. com and pull your free credit report. Review the report and use it to create a plan to repay your debt.
Finally, set financial goals for yourself and create a budget to achieve them. Be sure your goals include: 1) creating an emergency savings fund, 2) paying down debt, and 3) saving for retirement.
Ensure success by making automatic contributions into a retirement plan or your savings account. Follow these steps, and you will be on your way to financial success in 2013.
The local nonprofit, makingCHANGE, offers financial coaching and small group financial change programs. makingchangecenter.org
The Howard County Library offers a variety of financial education classes and hosts a financial literacy resource page on its website. hclibrary.org
The Howard County Office of Consumer Affairs acts as an advocate for consumers and offers educational events and resource links on its website. consumer. howardcountymd.gov
Find a financial planner in Howard County: cfp.net. Use the search tool on the home page to find a list of certified local advisors.
