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In this article, we’re going to take a look at three quick principles to help you get  your finances in order in the new year.


The biggest challenge with debt is not the financial aspect, but the emotional aspect, as being in debt can feel very overwhelming – indeed, it can feel like the weight of the world is on your shoulders… and in that sense, people often tend to bury their head in the sand.  

The best thing you can do, however, is to take the bull by the horns and get to grips with the reality of where you are so that you are in a more empowered to take care of things.  The challenge when you bury your head in the sand is that fees often compound on top of each other with late charges and interest snowballing out of control. Of course, it can also have a negative impact on your credit report if you let things spiral too far out of control

The best advice, when it comes to debt, therefore is to stop burying your head in the sand and write out a list of all active debts.  From here, you can then negotiate with each creditor and set up automatic payments to go out of your account so that you don’t have to worry about it.  Then, with your energy much freer, you can focus more on making money rather than worrying about money.


There are a few ways to make more money – you could work more hours or get paid more for each hour you work, invest your money, or even create a passive income by blogging or network marketing.

The greatest challenge to making more money when working as an employee is that you are inherently limited in terms of the amount you are able to make, as most people are paid on an hourly basis, meaning the only way they can make more money is to work more hours – yet there are only so many hours in a week.  

Most people prefer to earn more money for each hour they work, such as getting a raise or a promotion at work.  That said, there tends to be a ceiling on most employees in terms of how much their job can realistically pay, the only exception being commission based jobs.

It can pay off to find out more information about investing and becoming a shareholder in a business, as investors have something different to employees – they have financial leverage and earn passive income.  In this sense, you can make much more money as an investor because you aren’t working for money, instead, you have money working for you.


The final step in terms of getting your finances in order is to look at ways in which you can save more money.  One of the most profound tools you can use to do this is to keep track of  everything you spend in a week, writing it down each day, as this will make you much more conscious of what you are spending money on – meaning, you can then look into areas where you can save money.

Get Your Finances in Order This New Year

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