Personal finance can be COMPLICATED and ANNOYING! Do what you can to make it easier by simplifying your situation where you can. Once you've taken these steps, you'll feel like a pro - that's right, OWN your finances!
Automate Your Bills
Technology is amazing - use it! If you're manually paying your bills, put it on autopilot by setting them up to automatically come out of your bank account. This is the number 1 way to make sure you don't miss a payment AND to spend less time doing boring personal finance things.
Consolidate Your Accounts
Before getting into this, I want to bring up a couple of caveats that apply here. First, if you're going to be applying for a loan in the next couple of years, you may not want to close out credit cards, as this could adversely impact your credit score. Second, when you're consolidating retirement accounts, it's important to take fees into account. This is one spot where a financial planner can help.
"Complicated" does not mean "better. Take a look at all of the accounts you have out there (bank accounts, credit cards, retirement accounts from past jobs) and consider consolidating them. Even if you rarely deal with the other accounts, they're taking up headspace. This is a spot that most people can clean up pretty easily, and if you have multiple investment accounts out there, it might even make tax time easier!
As always, keep in mind that you don't have to go it alone. Check out my website to see what it's like to work with me and reach out if you have any questions.
If you found this post helpful, help spread the word! But remember, this is solely for educational purposes - it's not advice.
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