You can optimize your finances in many ways. To reach your goals, there are some things you need to do, but others you should avoid. If you don’t want to look back at the end of the year and say, “I wish I would have done that…”, this podcast is for you. Join Lauryn Williams, CFP®, CSLP®, and Meagan McGuire, CSLP®, as they talk about how to ditch misconceptions that can mess up your whole year, the right moves to overcome challenges and how to make 2023 your best financial year.

In today’s #StudentLoanPlanner episode, you’ll find out:

✅ Why you should book a consultation even if you don’t think you need it
✅ What is the new Pay As You Earn plan
✅ Why you might need to enroll in PAYE right now
✅ Why budgeting isn’t the ‘big bad B word’
✅ How to budget your expenses to save more and maximize your paycheck
✅ When you should never leave a balance on your credit card
✅ The first line of defense when dealing with or avoiding debt
✅ How a budget can help you avoid identity theft or credit card fraud
✅ The biggest mistake people make in 2023
✅ The importance of estate planning documents
✅ Why you need life insurance and disability insurance to protect your family and finances
✅ Why you should add money to your 401(k) even if your employer doesn’t match it
✅ The top retirement and investing mistakes to avoid
✅ How retirement saving can lower your student loan payments

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Legal: Student Loan Planner is a financial coaching company and does not claim to provide financial advice on investment products. Refinancing federal loans causes the borrower to lose access to income-based repayment plans as well as the PSLF program. We may earn compensation from advertising partners when you click on links on our site. Student Loan Planner is not a debt settlement or debt relief company. We do not provide tax or legal advice.

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Are you looking to optimize your finances? If so, you’ve come to the right place. In this article, we’ll discuss the do’s and don’ts of reaching financial goals.

Do:

1. Set a budget and stick to it. Creating a budget is the first step to optimizing your finances. Make sure you include all your expenses, such as rent, groceries, bills, and entertainment. Once you have your budget set, stick to it as closely as possible.

2. Track your spending. Tracking your spending is a great way to stay on top of your finances. You can use a budgeting app or a spreadsheet to track your expenses. This will help you stay on budget and identify areas where you can cut back.

3. Automate your savings. Automating your savings is a great way to ensure that you’re always putting money away for the future. You can set up an automatic transfer from your checking account to your savings account each month. This will help you reach your financial goals without having to think about it.

4. Make extra payments on debt. If you have debt, making extra payments can help you pay it off faster and save on interest. Even small payments can make a big difference over time.

Don’t:

1. Overspend. Overspending can quickly derail your financial goals. Make sure you’re staying within your budget and only spending money on things that you need.

2. Neglect your savings. It’s important to make sure you’re putting money away for the future. Make sure you’re setting aside a portion of your income each month for savings.

3. Take on more debt. Taking on more debt can quickly derail your financial goals. Make sure you’re only taking on debt when it’s absolutely necessary.

4. Ignore your credit score. Your credit score can have a big impact on your finances. Make sure you’re monitoring your credit score and taking steps to improve it if necessary.

Optimizing your finances is an important step to achieving your financial goals. By following the do’s and don’ts outlined in this article, you’ll be well on your way to a healthier financial future.