5 Clever Money Moves You Can’t Afford to Miss

It’s no big secret that life is full of compromises. You give up the lazy days of summer for blustery, cold winter days. You pass on your favorite desert so that you can fit into your favorite pair of jeans. And when it comes to your money, you do all you can to earn more and give up on some of life’s most important pleasures like spending quality time with your family. But now there‚Äôs a few simple guidelines you can follow to get your finances on track, skyrocket you earning power and free up time to do the things you love the most.

1. Use An Innovative Budgeting Tool

One of the best ways to manage your money is to take advantage of online budgeting tools that give you a birds-eye view of all of your accounts at once. Having instant access to all of your accounts helps you to get a clear understanding of your net worth as well as how much cash you have available to spend. Try mint.com, it’s free.

2. Now is the Time to Consider Refinancing

Interest rates have hit an all-time low (under 4%!) and there are many ways you can benefit from refinancing. For instance, homeowners are able to increase their monthly cash flow by refinancing their mortgages into lower monthly payments.

3. Ask for a Raise At Work

Never miss an opportunity to take center stage at your office. Start out by building up some momentum and filling in where your coworkers leave early on Fridays or take long vacations. Then you can stand out and ask for a raise in absolute confidence.

4. Get Creative with Money Making Strategies

There are hundreds of ways to create extra money using the web or focusing on something you are passionate about. You can cash in on eBay and sell your gently used items on the auction site. You can put your skills to good use and sell services such as graphic design or compute repair online. And you simply can’t go wrong by hosting a huge yard sale on your front lawn.

5. Take a Closer Look at Your Spending and Saving Habits

Have you taken the right steps to keep your money safe? A great way to keep your money as safe as possible is to put it in a money-market fund or open an account in a FDIC-insured bank account. Keep a watchful eye on how much you spend and make adjustments where necessary.

Simply put, something so precious as your money is worth protecting. You’ve got big plans and without a good budget and understanding of your spending habits, your money can walk away as fast as you make it. Make it possible with the strategies you’ve discovered here and dramatically change your financial future.

Edwin C

Edwin is a marketer, social media influencer and head writer here at Money Debate. He manages a large network of high quality finance blogs and social media accounts. You can connect with him via email here.

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