Wow. It seems like I was just publishing a blog about Christmas sales and we’re less than five days away from February.

Time is flying!

If your new year, new goals are starting a month late in February, it’s better late than NEVER! Whether you want to reduce the amount of debt you owe, save to purchase a property, increase your savings or create wealth for your children in the future, you can achieve any goal for your finances with dedication and my Unindebted the Course strategies. Here are 10 quick tips to help you on your journey to #OwnYourCheck and level up your life!

1. Take advantage of the CARES Act. If your goal is to pay down student loan debt, make as many payments as possible while the interest is suspended to knock down significant debt.

2. Consider a Secured Credit Card. Looking to apply for a credit card to build your credit? Secured credit cards require a deposit and protect the financial institution in case you can’t pay your bill. What’s amazing about secured credit cards that they still report to all three credit bureaus so this is an amazing way to build your credit!

3. Want to treat your significant other or yourself for Valentine’s Day? Plan to use your CAR Fund so that you are celebrating responsibly.

4. Build your MVP to avoid payday loans or additional credit card debt. If you are aggressively paying off debt and not contributing towards an MVP, you have nothing to help you when hard times come. Actually, you are MORE prone to using the credit cards you were aggressively paying down to get you by, then, you’re back to where you started.

5. Filing your taxes in February? Allocate these funds (if you receive money back) toward paying off debt and/or increasing your savings.

6. Look through your bank statements and make sure you are not blindly paying for subscriptions you don’t use! Also, consider the subscriptions you have and whether they are a need/want. Unsubscribe if they are unnecessary and re-allocate that money towards eliminating a significant portion of debt.

7. What is triggering you to spend? Evaluate the root and implement SLIC methods to avoid excessive spending. View some of my SLIC Methods here: Click Here

8. What can you do to bring in extra money to pay toward your debt? Consider selling items online. Take on a part-time job. Consider applying for higher-paying full-time positions. Turn your hobby into a business. There are multiple ways to bring in extra income to reach your goals! Need help on part-time/side-gig opportunities? Click here to find a list of ideas!

9. Have derogatory reports on your credit report? Consider sending a letter of goodwill asking your bank institution to remove the derogatory mark from your credit report! Sometimes they do and this can drastically increase your credit score!

10. Find yourself going to the grocery store multiple times a month spending excessive money? Create a meal plan mapping out each meal of the day. Purchase and prep those items to avoid overspending on unnecessary products and wasting food. Click here for Meal Prepping help! You could save over $1,600 in food and dining!