{"id":310,"date":"2019-01-08T09:49:35","date_gmt":"2019-01-08T14:49:35","guid":{"rendered":"http:\/\/blogs.uww.edu\/financialliteracycenter\/?p=310"},"modified":"2019-01-08T09:49:35","modified_gmt":"2019-01-08T14:49:35","slug":"new-year-new-you","status":"publish","type":"post","link":"https:\/\/blogs.uww.edu\/financialliteracycenter\/2019\/01\/08\/new-year-new-you\/","title":{"rendered":"New Year, New You"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-313\" src=\"http:\/\/blogs.uww.edu\/financialliteracycenter\/files\/2019\/01\/resolution-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"https:\/\/blogs.uww.edu\/financialliteracycenter\/files\/2019\/01\/resolution-300x200.jpg 300w, https:\/\/blogs.uww.edu\/financialliteracycenter\/files\/2019\/01\/resolution-768x512.jpg 768w, https:\/\/blogs.uww.edu\/financialliteracycenter\/files\/2019\/01\/resolution.jpg 960w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>The start of a new year is often celebrated by resolutions.\u00a0 Why not make changes to your financial situation in order to reach your goals?\u00a0 Here are a few money resolutions you might consider to improve your financial well-being.<\/p>\n<ul>\n<li><strong>Limit entertainment expenses<\/strong>.\u00a0 College is suppose to be fun, but the more you spend on entertainment, the less you have towards tuition.\u00a0 You don&#8217;t have to completely eliminate your entertainment, just become more frugal.\u00a0 Seek out free or low-cost options on campus, and take advantage of student discounts by showing your student ID at restaurants, movie theaters, and more.<\/li>\n<li><strong>Utilize your savings account.<\/strong> After each pay period, place some funds (any amount is good) into savings.\u00a0 If you don&#8217;t want to think about making the transfer, set up an automatic transfer or utilize apps provided by your financial institution.\u00a0 Creating the habit and having funds for emergencies is a good idea.<\/li>\n<li><strong>Use credit cards wisely.<\/strong>\u00a0 Avoid impulse purchases and only charge what you can afford to pay off each month.\u00a0 Paying down credit card debit over months and years incurs expensive interest charges.<\/li>\n<li><strong>Create a budget.<\/strong>\u00a0 Estimating income and expenses is not difficult, but keeping track of expenses and comparing budgeted to actual amounts take time, and is often the hardest part of the budget cycle.\u00a0 The advantages to completing the budget process includes personal knowledge of where your money goes and the ability to plan for changes.<\/li>\n<li><strong>Check your credit.<\/strong>\u00a0 Use <a href=\"https:\/\/www.annualcreditreport.com\/index.action\">annualcreditreport.com<\/a> to check on your credit history once a year.\u00a0 Although this free site will not give you a credit score, it will allow you to look for errors and discrepancies in regards to your credit.\u00a0 Often times, the credit report will alert you to any signs of\u00a0 identity theft.<\/li>\n<\/ul>\n<p>Pick one, two, or all of the above resolutions and implement a plan to work towards your goals and improve your overall financial wellness.\u00a0 Take charge of your finances now to set yourself up for future success and freedom.\u00a0 For more information or to set up a financial coaching session, contact the <a href=\"http:\/\/www.uww.edu\/adminaffairs\/finance\/financial-literacy\/contact-us\">UWW Financial Literacy Center<\/a>.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The start of a new year is often celebrated by resolutions.\u00a0 Why not make changes to your financial situation in order to reach your goals?\u00a0 Here are a few money resolutions you might consider to improve your financial well-being. Limit entertainment expenses.\u00a0 College is suppose to be fun, but the more you spend on entertainment, &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/blogs.uww.edu\/financialliteracycenter\/2019\/01\/08\/new-year-new-you\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;New Year, New You&#8221;<\/span><\/a><\/p>\n","protected":false},"author":7648,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-310","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/blogs.uww.edu\/financialliteracycenter\/wp-json\/wp\/v2\/posts\/310","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blogs.uww.edu\/financialliteracycenter\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blogs.uww.edu\/financialliteracycenter\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blogs.uww.edu\/financialliteracycenter\/wp-json\/wp\/v2\/users\/7648"}],"replies":[{"embeddable":true,"href":"https:\/\/blogs.uww.edu\/financialliteracycenter\/wp-json\/wp\/v2\/comments?post=310"}],"version-history":[{"count":5,"href":"https:\/\/blogs.uww.edu\/financialliteracycenter\/wp-json\/wp\/v2\/posts\/310\/revisions"}],"predecessor-version":[{"id":316,"href":"https:\/\/blogs.uww.edu\/financialliteracycenter\/wp-json\/wp\/v2\/posts\/310\/revisions\/316"}],"wp:attachment":[{"href":"https:\/\/blogs.uww.edu\/financialliteracycenter\/wp-json\/wp\/v2\/media?parent=310"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blogs.uww.edu\/financialliteracycenter\/wp-json\/wp\/v2\/categories?post=310"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blogs.uww.edu\/financialliteracycenter\/wp-json\/wp\/v2\/tags?post=310"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}