Did you use your credit card to buy Christmas gifts for the holidays? Did you overspend? Did you stick to your budget?
​
Now that the holidays are over, its time to create a plan to pay off those credit cards. Every year we say that we will start early in the year to save for our holiday gift spending. And every year, it does not go according to our plan; when I say we, I am including myself.

​​​Many of you may have heard the phrase “A penny saved, is a penny earned.” Have you really thought about the meaning of the phrase? For me, the phrase means that for every penny earned I must save. If you break a dollar save the change. There are many ways to help save money. Here are a few tips I use in my personal life. 

​“According to the American Psychological Association (APA) money is the top cause of stress in the United States.  In a 2015 survey, the APA reported that 72% of Americans stressed about money at least some of the time during the month.  The majority of the study participants reported money being a significant source of stress, with 77% feeling considerable anxiety about finances” (verywellmind.com).

​Have you sat and wondered where did my money go, what did I spend it on? Do you often look at your account transaction history and say to yourself, how many times did I swipe my card?!  Please tell me I am not the only one! From online shopping to door-dashing, the unnecessary expenses can and will add up.

​What does it mean to have financial wellness? Financial stability? Financial freedom? Every one has their own ideas about each of the phrases. Get your financial house in order!!!