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Quick Ways to improve Your Finances in 15 minutes a day
 
With so many demands on our time, I’m sure you want Quick Ways to improve Your Finances.. We all know demands on our time is one of the biggest challenge to achieving our money goals. Set aside a few minutes to complete these small tasks that can lead to big financial results. Some of them are very quick wins, some of them may take a little bit of time – but all of them are very worthwhile.
 
So today I want to share some quick ways to improve your finances in the spare moments of your day. Your financial situation won’t change overnight. You’ll find yourself more knowledgeable about finances. And better at money management over time.
 
You may come away surprised at how much you can do by tackling your finances in 15 minutes a day.

 

Jump-Start Your Finances with the Power of Gratitude

It’s time to indulge our inner Oprah and talk about the power of gratitude because living with gratitude can lead to greater wealth.
 
Yes, really! Studies have shown that those who regularly acknowledge and show gratitude for what they have, are able to achieve greater wealth.
 
So how exactly DO you practice gratitude?
Here are four ways that you can start practicing gratitude today:
  • Every day find something or somebody to be grateful for and say ‘thank you’ out loud.
  • Give at least one compliment every day, but make sure it is genuine and be as specific as possible. The other person will feel valued and you will have created a connection.
  • For the next week, find one thing every day, that is less than ideal and look for something you can learn from the experience.
  • Keep a gratitude journal. Write down 3 things you are grateful for each day. (Find 3 new things each day)
 

Check your credit score

One of the first things to do is to check your credit score. Your credit score is important because companies use it to determine how creditworthy you are.
The higher the score, the better off you are. When you need a loan for a mortgage or a car, a higher credit score can help you get a lower interest rate. Which saves you money in the long run.
 

Clean out your wallet

A clean wallet leads to a clean mind — in a manner of speaking. Spend a few minutes emptying your wallet of old receipts and other junk.
  • Take out everything from your wallet.
  • Get rid of those old receipts, used and expired gift cards, notes and other items that clog up your wallet.
  • Organise your wallet. Straighten all crumbled notes and arrange them in your wallet.
  • Keep unused credit cards at home and place one or two cards you use often back in your purse.
  • Remove and cancel credit cards that you don’t use or need.
How does it feel to have a clean and free wallet?
 
Savings JarStart a R10 jar
From now on, stop spending R10 notes. Instead, take the tenners you receive, and put them in the jar. After a few months or you could easily have hundreds of extra Rands. (You could do this with spare change, too, but the sums will be smaller and the coins will be a pain to count out.)
 
For now, pull out a jar or other container, put it on the counter, paste a photo of your dream goal on it (house, family, vacation), and start saving.
 

Set Weekly or Monthly Money Goals

Setting financial goals is essential to success. Once you’ve set these goals, write and follow a road-map to realise them. It helps you stay focused and confident that you’re on the right path to financial success.
 
Set your timer for 10 minutes and write out your own money goals using this money planner.
 
Realising your financial goals can be a long and drawn out process. But writing them out is in itself an achievement. So when you’ve done it congratulate yourself.
 
Once you’ve set your goal, or goals, it’s important to review then often. If you don’t, then you could find yourself taking a step backwards.
 

Review All Bank Accounts and Your Direct Debits

From dating app subscriptions to gym memberships, there’s always something lurking in your direct debits that you can get rid of. Cancel and save.Many of us have direct debits and standing orders that we didn’t know we had.
 
Take a good look at your payments then cancel everything you are paying for that you don’t need or use.
 
Put that amount – however small – to your emergency or savings account. If you didn’t notice it leaving your account before, you won’t notice it plumping up your savings
Ultimate Monthly Money Challenge

Take on a Monthly Money Saving Challenge

Learning how to save on a regular basis can be hard. But what’s even harder is turning saving into a daily habit. Habits aren’t formed overnight. In fact, it can take as long as two months for a behavior to become automatic.
 
If you are brave enough, why not why not set yourself a challenge.
 

Stop Procrastinating

You won’t attain financial success by just reading this article. Apply these Quick Ways to improve Your Finances to see results. There is no substitute for ACTION.
 
If you have any questions, feel free to email me. I’m here to help! I reply to each and every email that comes my way.

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