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Pretty Passive

65+ Painless Ways to Improve your Finances

Budgeting· Frugal Living· Make Money· Money· Retirement· Save Money

3 Nov
tons of quick and easy financials tips to do in 5 minutes. improve your finances to save more money, retire early, get out of debt fast, and start investing effectively right now

Taking control of your finances can lead you down a dark, strict, painful path. That’s cool, if you’re into that. But if you want to improve your finances right now without turning your life upside down then you came to the right place.

There are so many tiny tasks involved in personal money management and it is a lifetime entanglement. So instead of getting overwhelmed by all of it, here are several dozen bite-size tips to improve your finances.

  1. Track your expenses – spend 15 minutes going through your regular monthly expenses manually or automatically through your online banking or mint.com
  2. Check your credit score (fo’ free at creditkarma.com)
  3. Shop secondhand – my local thrift stores always amaze me and thredup.com is an awesome online alternative. Get $10 to shop at thredup here
  4. Cut out cable
  5. Eat at home
  6. Have a separate emergency fund
  7. Use a HYSA – high yield savings account*. I use & love Ally
  8. Keep a months expenses as your bank account minimum
  9. Make a will
  10. Open an IRA
  11. invest – those funds in your IRA will need to be šŸ˜‰
  12. Use coupons = honey 4eva
  13. Shop around for cheaper insurance 
  14. Refinance debt
  15. Max out 401(k) employer match 
  16. Make extra money on the side
  17. Automate savings – to your HYSA šŸ˜‰
  18. Use Tax-advantaged accounts
  19. Open a 529 (for the babes!)
  20. Follow personal finance accounts (on your social media of choice)
  21. Know your debt holdings
  22. Create a debt repayment plan
  23. Check on your net worth – Personal Capital is a crowd favorite
  24. Move money to your retirement accounts
  25. Make a holiday gift budget
  26. Skip the soda at restaurants (& drive-thrus!)
  27. Drink at home
  28. Avoid lifestyle inflation
  29. Open a brokerage account
  30. Use a budget app – those push notifications will keep expenses in your face
  31. Read a finance book
  32. Combine subscriptions
  33. Cancel excess subscriptions
  34. Close store credit cards
  35. Sleep on big purchases – 30 day rule? Anyone?
  36. Automate your bills
  37. Pay extra principal on debt
  38. Make a money goal (and write. it. down.)
  39. Pay debt on time
  40. Know your debt-to-income ratio
  41. Calculate your interest rates
  42. Audit your bank account
  43. Negotiate bills
  44. Renegotiate salary
  45. Use cashback apps
  46. Shop sales
  47. Return unwanted purchases (!!!)
  48. Buy quality over quantity
  49. Buy non perishable necessities in bulk
  50. Know your employer benefits
  51. Use your health benefits
  52. Research the deductions on your paycheck
  53. Find your financial independence score
  54. Set 1,5,10,25 year financial goals
  55. Compare your current salary to the market average
  56. Reduce excess insurance coverage
  57. Confirm the vesting schedule with your employer
  58. Find a no-fee bank account
  59. Pick some ETFs at etfdb.com
  60. Create a yahoo finance account
  61. Follow your favorite companies – start exploring their stock!
  62. Calculate your expense ratio (expenses/income)
  63. Delete shopping apps from your phone – you can always reinstall them
  64. DIY instead of buy – literally my favorite way to save money & stay home
  65. Work out at home – because gym memberships aren’t for everyone(‘s budget)
  66. Stop using credit cards

Managing your money doesn’t have to resemble a full-time job you hate. There are plenty more where these came from (and will be added on whims!) and if you only pick one to do every other day then you will effortlessly improve your finances.

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Hi! I’m Ashley and I like things short, sweet, and super cheap. This is my blog where I help moms think outside the cube to make & save extra money with simplified investment info and easy DIY projects.

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