We’re in a new year and it’s time to think back on the previous one to determine if any changes need to be made. Many people have New Year’s Resolutions that consist of losing weight or quitting smoking, and while personal health goals are worthy endeavors, it’s also important to think back on your finances to see if you need to make any changes in this aspect of life as well. Review the following to see if you need to make any personal finance changes.
The most common saving needs include the need to save for financial emergencies, college education, and retirement. Experts recommend starting out by saving $100 per month or 10 percent of each paycheck to put toward an