The Year of Smarter Finance The holidays are a time filled with not only quality family time and other joyous celebrations, but it is also a time plagued with excessive food and spending. After loosening our belt buckles a few notches and avoiding the scale, it is time to think about how to recover from the hole that is burned into your wallet from buying that expensive 14-megapixel camera drone for your significant other (who crashed it in less than 48 hours), and to plan for a smarter spending year.
We have gathered some of our own saving and financial planning practices to share with you. |
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| Make a list Trying to deal with a lot of miscellaneous bills can make paying down debt a nightmare. The first step toward repayment is to get organized so you have a clear picture of where you stand. Make a list of exactly what you owe and to whom. By facing the facts and laying everything on the table, you are more likely to have a realistic idea of your situation and a better chance of making progress. |
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Plan and create a budget Make a budget and stick to it! This is difficult for a lot of people — hence those broken New Year’s resolutions. Try a web service like Mint.com or BudgetTracker.com to help you organize your budget, and be honest about what you put down. Try to stick to it and see how good it feels to stay within your means each month. If you find that you have a little extra to spend, we suggest growing your coins by investing in loans. |
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| Refinance your debt Try refinancing your credit card or other debt. You can apply for a personal loan that may have a much lower APR than many high-interest cards, and using this money to pay off credit debt can save you money on interest payments in the long run. Choosing BTCJam as the platform to consolidate your debt is the smart choice to get your new year started and on the right financial track. Apply for a personal loan now |
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BTCJam wishes all of you a prosperous year! |
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