Are You in the Money? Or in the Red?

Before you know it, the holidays will be upon us and you know what that usually means: money stress. Have you focused on your finances this year?  Financial well-being is as important as the other 4 pillars (physical, community, career and social).  By taking charge of financial decisions, stress can be significantly reduced and you can feel better prepared for the future. 

Here are 10 steps for enhancing your overall financial well-being.  As with any goal, consider small steps that are attainable and remember to be mindful that you are utilizing and maximizing all that is available to you so you have all resources you need to make the best possible financial decisions.

  1. Choose a savings account carefully
  2. Set a savings goal
  3. Make saving automatic
  4. Set up an emergency fund
  5. Track your monthly expenses …
  6. … Then set a budget
  7. Be smarter with shopping
  8. Take advantage of apps
  9. Consider a flexible spending account
  10. Check your financial progress … and reward yourself when you reach your goal!

Remember, baby steps still move you forward! Anything you can do to help get ahead will be good for your health and well-being in the long run.

What are some of your favorite budgeting tips? Do you use financial apps?

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