![]() ![]() Spring Clean Your Credit: Take each loan and credit card you currently have and list the amount owed (not the monthly or minimum payment) and the interest rate being paid. Or perhaps you no longer visit a store that one time was a favorite, but still pay the $25 annual fee for their store discount. If you are paying $30 a month for a gym membership, yet in the past three months you’ve only found 2 opportunities to go, your cost per workout is $45. First, consider if you are still using or needing the subscription. Subscriptions may be an annual fee for shopping discounts to a favorite store, a car wash pass, or a fitness club membership. Subscription payments are automatic and typically on an annual or monthly schedule. A recurring monthly payment may be a cable bill, car payment or student loan payment. Spring Clean Your Recurring Monthly or Subscription Payments: These are the payments that are set up to withdraw funds from an account or your credit card each month. Then adjust your spending (one less coffee a week) or adjust your budget (add money to your eating out budget and reduce entertainment) to make it fit your goals. Observe where your money is being spent and how much is being spent. Is your current money flow where you want it to be? If you are not sure, begin by writing each and every expense on a calendar or journal for a week or a month. Spring Clean Your Spending Plan: Now is a great time to adjust your spending plan. Spring cleaning your finances can provide a fresh look at your financial situation and help clean up some financial messes with your money. ![]() One of those was a reminder when a co-worker of mine, Melissa Rupp from Fulton County shared “Spring Cleaning Your Finances," I hope you will find her suggestions helpful. ![]() It does give me the opportunity to keep at the things at home that I might not have given as much attention to through the winter. More: Self-care is an important part of caring for others With the spring showers reminding us that another season is upon us, I find the sound of rain refreshing, but the mud I could do without! ![]()
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