The New Year is a good time to improve your life for the better, and one of the very best aspects to get started is by making solid financial resolutions that can help you achieve your financial or financial goals, whether it increases your retirement savings or set aside enough lots of money for down payment at home Here are some things you might consider adding to your New Year's Resolutions:

1. Create and implement a realistic budget / budget

The best way to create a budget is to collect your bills from the last few months and list all your regular and non-routine costs. Then rank them in order of importance, with primary needs such as housing, food and health care that must occupy the top position. After that, you can bypass the bottom line of the most important bills / fees and pay attention to your next monthly expenses to make sure you adhere to your budget. The good news is you can find Website / Apps budgeting online lately, and mostly for free. The hardest thing to do is stay committed and responsible for your budget. That's where SMART's budget is very useful - by establishing specific goals, measurable, achievable, realistic, and time-based, you will have a way to hold accountable to your budget, and you can also measure your progress.
2. Calculate your Net Worth / Net worth now and set a target for next year

As I share in the Net Worth Net Worth Recommendation article based on Income or Expense that you need to know how much your net worth is worth in order to know whether you've managed your finances properly or not. Net Worth is all you have from your assets minus your debt / Obligations. Assets include current assets such as cash, deposits, savings and fixed assets such as houses, property, cars, gold, stocks, bitcoins, pensions or other valuables you already own. Debt / Liability is all your debts to acquire asset assets including Housing Loans (KPR), Car Ownership Credit (KPM), Credit card debt, business loans, property inhouse installations to developers, and so on. Net worth is a measure of your financial health because basically a net worth declares what will be left if you sell all your assets to pay all your obligations. Minimize your net worth target is not to Negative and must be positive. lest your total debt exceed your Assets.
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