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8 Important Tips To Improve Your Finances (In Only 30 Days!)

While financial literacy and long-term money habits are the best ways to improve your finances, there are a few quick fixes that will go a long way in improving your financial situation as soon as possible. And I’m not talking about budgeting or maxing out retirement accounts either. Instead, I’m going to share 8 unique tips on how to improve your finances in only 30 days!


Increase Your Credit Score


There are some surprisingly simple ways to do this, and the main one is focusing on your credit utilization ratio. This ratio takes the amount of credit you are using and divides it by the total credit that you have, and makes up 30% of your credit score.



By actively working to decrease this ratio you will increase your credit score very quickly. As you increase your credit score, you can decrease the amount of interest you have to pay off when you’re financing things. For more info on credit utilization and the importance of increasing your credit score, check out our YouTube video on the topic.


Talk To Everyone About Money


I know it sounds weird, but bear with me. The more conversations you have about money, the more ideas you’ll have about how to improve your own finances. Talking about money with friends and acquaintances should be normalized instead of stigmatized since it helps everyone to better communicate their own ideas about finances and share them with one another, whether it’s making, saving, or investing money.


Look At All Your Employer Benefits


Not just your 401k or health plan, but any and all incentives your employer might be providing for you. This could include financial support for further education, taking public transport, etc, as these benefits could possibly convert into extra cash in your bank account.

For example, back when I worked for the US government I had public transport-related benefits that we were reimbursed for. Many companies have this benefit, but they may also have gym membership benefits, childcare benefits, and more! All of these things can be used to your advantage, allowing you to save more money and invest it.


Always Try To Negotiate


At least, whenever it comes to your financial transactions. You should always be looking at your transactions and checking if there are opportunities to negotiate that you may not have realized. If you’re starting a new job? Negotiate your starting salary. If you’ve got a long-term job? Negotiate a raise. Rent? Negotiate. Car rental? Negotiate. Credit card interest repayments? Negotiate negotiate negotiate. You get the idea.


There are many things you can negotiate down into lower rates and lower payments, allowing you to save and invest more in the long run. You will need to feel comfortable in your negotiating skills, so consider starting off small if you’re not there yet. Maybe ask for a little more coffee in your Starbucks cup or inquire about discounts or vouchers at your favorite store. Things that may seem arbitrary, but will add up over time and help you to negotiate on bigger and better things.


Create A Plan


If you want to achieve financial independence or FIRE, you need a plan. I can’t emphasize this enough. FIRE is about making, saving, and investing money, and you need to know how you’re going to do that over the long term.


You want to create a detailed financial plan with trackable milestones. This is exactly what Amon and I did on our financial independence journey, and every time we broke through those personal milestones was a cause to celebrate, as we could feel ourselves getting closer to our final goal and it motivated us to continue. If you don’t have a plan already, you need to make one and commit to it.


Learn With Intention


Improving your financial literacy is a must, but you should also do it with intention, i.e more than just whiling away an hour or two reading a general book on personal finance. My favorite method is to choose a specific financial subject and spend an entire day learning about it. That means books, podcasts, articles, and YouTube videos you can find. The next time you have a free day, choose a new subject and repeat!


Hold Regular Finance Meetings With Your Partner

And by regular, I mean once a week, or once a month at least. Amon and I have been having financial meetings together ever since we began our journey to financial independence, and we still keep it up even now that we’ve achieved FIRE. It’s incredibly important that you and your partner are on the same page finance-wise. And if you aren’t, these meetings are a practical way of bringing the two of you together by setting financial goals that you can both work towards and discuss during these meetings.


If you’re single, you can still have financial meetings like these, you just need to find an accountability partner. This is someone who will put pressure on you to continue achieving your financial goals. These meetings will ensure that you are consistently reviewing your finances and tracking your progress.


Enjoy The Journey


Striving to achieve financial independence is not a sprint, it’s a marathon. It’s a goal you mig work toward over a lifetime, so it’s imperative that you take time to enjoy the process rather than see it as a chore. You should find the right strategies to enjoy it so you can prepare yourself for longevity and reduce the risk of burning out.


This means setting reasonable goals because you don’t want to deprive yourself over multiple years. You’ll only make yourself miserable. This means not scrimping and saving every single penny, and still allowing yourself some leeway to enjoy things even if it costs more than you might like. Making sustainable positive changes to your financial situation is key.


You can incorporate all of these tips within a 30-day period, and you’ll start seeing your financial situation improve very quickly. Just remember to be consistent with this advice, so you can maintain long-term results. Happy saving!

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Hello, We’re Amon & Christina

We’re former federal government employees that focused on saving, making, and investing money so that we could grow enough wealth in our investments to never have to work again.

And, guess what? We did it! At the age of 39, we reached financial independence, quit our jobs, and . . . we retired!

So, if you’re interested in learning how to save, make and invest money on the road to financial independence and retiring early (i.e., F.I.R.E.) - this site is for you!

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