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This column was contributed by a association member.

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As the New Year arrives, abounding of us “resolve” to be better, and resolutions to advance our banking habits generally top our lists. 54% of the bodies who took allotment in Fidelity’s 2014 New Year’s Resolution Poll say they plan to accomplish a money administration change this year.  However, authoritative a resolution is aloof the aboriginal step.  Transforming it into absoluteness takes absolute work.  For admonition on area to start, we asked advisers at Consumer Acclaim Counseling Service of MD and DE (CCCS), a civic nonprofit bureau that helps bags of audience ability their claimed accounts goals annually.  At a contempo bureau meeting, CCCS agents aggregate banking strategies they’ve acclimated themselves to become added secure. Hopefully their adventures and insights will admonition you define changes you can accomplish and accumulation from in 2014 and for years to come.

Begin with the Basics

Financial experts generally say it pays to accomplish a claimed appraisal afore you accomplish a resolution.  Area do you angle financially?  What sources of assets do you accept advancing in?  Area does the money you acquire go?  How abundant do you accept larboard over at the end of the month?  Housing Advisor Ponciano Allen agrees with this advice.  She says, “My admired money administration tip is:  Set up and stick to a budget.  That’s the alone way to absolutely get advanced financially. As a divorcee with bristles accouchement age 17 and under, allotment has become a allotment of my accustomed life.”

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A annual offers a apparatus for accepting advanced financially, but alone if you break aural the ambit you’ve set.  This bureau active aural your means. If you’re acclimated to spending after cerebration this can be a claiming and may crave an attitude adjustment. Data Analyst Mark Chaffer says that back it comes to blockage on track, he’s begin it accessible to bethink this saying: “Frugality isn’t about actuality cheap.  It’s about accepting the best for your money.” 

To absolute spending on nonessentials, Training Coordinator Aline Humphries suggests, “Ask yourself, ‘Can I pay for this in cash?’ If the acknowledgment is ‘no,’ again you apparently can’t allow it and shouldn’t acquirement it. It additionally helps to ask, ‘Do I NEED this annual or artlessly WANT it?’ Alone acquirement items you absolutely NEED.  If you heed this advice, you may be able to body up affluence in a accumulation account.  That way back adventitious costs crop up, you can handle them.”

Build Accumulation and Retirement

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Over bisected the consumers polled by Fidelity said they achievement to “save more” this year. But how? Human Resources Director Dinah Seisman says, “Many bodies aloof can’t see it in their annual to save — yet this is the best important affair you can do for yourself, your spouse, and your children.  Back my nieces and nephews were born, I began putting abroad $5 anniversary week.  I had it calmly deducted from my paycheck.  After I had adored a few years, I invested the money in a alternate armamentarium to acquire added interest.  At 18, they had added than $5,000.  That money is now appropriate for the bottomward acquittal on their aboriginal home.”

Executive Vice President Lori Jankalski says, “When I aboriginal entered the workforce, I accomplished absolute drop is a abundant invention.  It allows you to accept money taken automatically from your paycheck and put into your accumulation account.  Using this tool, you never absence the bulk you’re saving.”  One of CCCS’s newest employees, Administrative Support Representative Eddie Lee says, “Since starting work, I’ve fabricated abiding I automatically put 10% of anniversary paycheck into savings. Again I attribute the blow of it for items like aliment and gas.  That helps me break on budget.”  Compliance and Quality Assurance Manager Marc Benz notes, “My ancestor consistently told me to put bisected of any accession you accept at assignment into savings.  That’s been acceptable admonition I’ve followed.”

Business Development Manager Donna Snyder says, “It’s important to accept an emergency accumulation fund, because you never apperceive what will happen.”  But what if you never accept abundant money larboard over at the end of the ages to put away?  Snyder says one way to accrue that added banknote is to absorb less. “When I acclimated to boutique for groceries, I would aloof go bottomward the alley and aces up annihilation I anticipation I bare or wanted.  Again at a workshop, they appropriate we analysis to see what we already had in the freezer afore accomplishing our account shopping.  That aphorism has adored me a lot on my aliment budget.”

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Financial advisor Gail Pridgeon offers this all-embracing accumulation idea:  “To alpha the New Year right, why not agenda a ‘money analysis up’ with your Human Resources Department? Find out about your retirement benefits.  If you’re allotment of a 401(k) or 403(b) plan, ask if your employer offers a match.  If it does, accord abundant to booty advantage of this opportunity.”  Resource Development Manager Devon Hyde adds, “Any time I get a raise, I access the bulk I put into my retirement fund.  My bedmate Dan and I both do this regularly.”

Control Your Acclaim Use

“Pay off debt” is addition accepted banking resolution. 24% of those polled by Fidelity achievement to do so this year.  A simple way to abate the bulk you owe is to absolute the bulk of debt you booty on. Manager of Counseling Erin Dickerson says she’s consistently acclimated acclaim cards, and this tip has helped her break out of trouble: “After I allegation something, I anon address it down, and I consistently accrue clue of how abundant I’ve spent.  I never allegation added than I apperceive I can pay off in abounding anniversary month.  I stop afore I ability that limit.”

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Client Relationship Manager Josephine Ore says, “Your acclaim agenda account includes some absorbing reading:  It shows how abundant added you’ll owe if you alone accomplish minimum account payments over time.  It additionally lists the fee you’ll be answerable if you’re late. Accomplish every accomplishment to pay bottomward acclaim agenda balances as anon as possible.  If you don’t, you may end up with a abundant beyond antithesis than you initially charged.”

How does absorption accrue if you alone pay the minimum account antithesis on acclaim cards?  President and CEO Jim Godfrey shares this example: “Say you owe $1,000 on a acclaim agenda with an 18% APR and alone accomplish the minimum account payment.  It will booty you 12 years and 9 months to pay off the balance, and you will accept paid $1,115.41 in absorption — alike added than the antecedent bulk you borrowed!”

If you’re already in abysmal debt, don’t despair.  It is accessible to booty control.  Information Technology Manager Marc Burtz says, “When my wife and I started out, we didn’t apperceive a lot about claimed finance.  We bought a car and started accepting acclaim cards.  Afore we knew it, we’d maxed these out and were in austere banking trouble.  After we went bankrupt, we spent years advantageous banknote for everything.  That helped brainwash us financially.  Now we anniversary alone accept one acclaim agenda that we use for aliment and we consistently put money into savings. Learning to alive aural our bureau has fabricated it accessible to get ahead.”

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With 35 years of experience, Senior Advisor Judy Hines offers this departing advice: “Go advanced — not backward.  If you accomplish a money administration mistake, don’t abide on it.  Ability out and get admonition instead. That’s the best way to fix things.  If you apprentice from your blooper up, you’ll consistently end up in a bigger place.”  Want admonition honing your banking goals for the 2014?  Contact CCCS of MD & DE at 1-800-642-2227 or appointment the agency’s website and alpha the New Year strong!

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Consumer Acclaim Counseling Service of MD & DE, Inc. (CCCS) is an accepted 501(c)(3) nonprofit bureau that helps balance communities by creating achievement and announcement bread-and-er ability to individuals and families through financial apprenticeship and counseling.  CCCS MD State License #14-01.

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