Consider whether there’s anything you can do to prepare for the unexpected in the new year, such as starting an emergency savings fund, marketing your services more aggressively or launching a side gig to build up your cash reserves.
Start by jotting down all the monthly expenses you can think of along with their estimated costs.
The first step toward saving money is cutting non-essentials from your budget. But there are other ways to reduce your spending and boost your savings as well, especially if you’re willing to get creative.
Spend the remaining three minutes of your check-in setting your financial resolutions for 2021. Consider what you want to achieve this year and personalize these goals so you’ll be motivated to stick with them.