check it off

It’s almost the end of the year. Is your fi nancial life in order? We thought not. If you’re feeling a bit frazzled and unorganized these days, you’re not alone. Getting your life back on track may be as simple as making (and using) a detailed checklist. Read on to fi nd out more.

› By Laurel Gillum

Financial discussions are often boring and, well, taboo. When it comes to improving one’s fi nancial well-being, however, it is benefi cial to take all the advice we can get. Check out these bullet points for your end-of-year checklist. Happy checking!

Talk To Your Boss

Prepare for an honest but polite conversation with your boss. Before you ask for a higher salary, make sure to do your research. Have extensive knowledge on what the range of pay is for your title in the company and how valuable your position is. If you go in and demand a raise for subpar work, you may not be too fond of your boss’ response.

SAVE, DON’T SPEND

For those with a joint checking and savings account, make sure you agree when it comes to financial goals and restrictions. Make a list of things you both could cut back on and how much you want to save. If you are solely responsible for handling your finances, you are at an advantage. Make sure to hold yourself accountable.

Pay Off Debt

If your credit card is doing more damage to your credit score than good, it’s time to give it up. Refrain from using credit cards and instead focus on paying o the debt they have helped you to incur. If all else fails, shred them!

Seek Help From A Financial Advisor

Financial planners look at your current financial situation and compare it to where you want it to be, based on your goals for the future. Professional input is beneficial if you are not sure when to save versus when to invest your money.

Start Your Taxes

It’s never too early to start thinking about tax season. If you can estimate how much you will owe in taxes come spring, you can strategically make end-of-the-year donations or fi nd other deductibles to lower your 2018 income.

CONTRIBUTE TO YOUR 401(K)

If your company o ers a 401(k), take advantage of it by contributing as much as possible, especially if your company matches funds.