Did you know 1 in 4 Americans spend more than they make each year? It’s not surprising so many people are in debt.
Holly Perez, consumer money expert from Intuit Inc..and personal finance contributor to U.S. News & World Report and Dot Complicated. Holly writes about personal finance and contributes forward looking predictions to media on consumer spending and saving trends. She provides insights on the psychology of spending, and can navigate the choices for tools and solutions for money management. Her goal is to encourage people for the future rather than making them feel guilty about their past financial decisions and actions.
Holly Perez
What’s interesting is that you have all the tools right now to solve your personal financial crisis. You have your bills, your taxes are in the process of being down and you have Holly Perez’s suggestions on how to best handle cutting your out of pocket expenses and how to save money and pay down those bills!
The decorations are down, the parties have ebbed – and the bills are rolling in. New Year’s Eve resolutions are just a distant memory now, but the truth is that the New Year is a great time to not just resolve to get out of debt, but really take control of your finances. Think of it as winning – being stronger, quicker, and smarter than the “other side.”
According to a study conducted by Quicken, 23 percent of Americans typically spend more than they earn in a given year, and the holiday season of spending only adds to a financial hangover. This is why many of us make New Year’s resolutions to improve our finances and pay off our debt – but without a clear plan these remain empty promises that cannot be realized.
My conversation with Holly Perez about ‘fiscal fitness’!
Tips from consumer money expert Holly Perez can help you get out of the starting blocks with 6 easy rounds that can become the base of your Fiscal Fitness Bootcamp:
o Step 1: The Warm-up – Budgeting
o Step 2: Cut “Calories” – Debt Reduction
o Step 3: Resistance Training: build & boost your Savings muscle
o Step 4: Endurance Training – Planning for the future
o Step 5: Core Strength – Making the Most of Credit
o Step 6: Maintenance – Keeping it up: Tracking
Budgeting and the basics. Small cuts add up to big savings
Stick around both sites and check out the videos and 411 on how to make this work well for you!
Thanks to Holly Perez for her great tips on achieving fiscal fitness!
Stevie Wilson,
LA-Story.com
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I think the 23% is lower than it was a few years ago..the big blast out of our finances nationally involved TONS of blind overspending, much of it by the super wealthy.