Improving Your Finances in 2012

Let's face it. Many of us want to find ways that we can improve the way we handle our finances. I'm working on getting married this year, so I will definitely be changing the way I spend money in the near future. Some of us have a lot of things we can change in our daily lives. Others don't have to change much, but can still stand to improve in some areas. Wherever you lie, I found a lovely little article that talks about 50 ways you can imrpove your finances in 2012. There are some great tips for everyone. Here's a few I related to.

Waste Less Money on Food

According to this article, Americans waste more than 160 billion pounds of food each year. Yikes! Instead of going shopping once a week or once a month, go more frequently and buy fresher ingredients so things don't spoil and you end up with cash in the trash.

Take on More DIY Projects

Do It Yourself projects can really save some major cash when all is said and done. Last year, in my apartment, I ended up having a little plumbing work that needed to be done. No, I didn't clog the toilet, I had to fix my kitchen sink. Rather than waiting for a plumber and paying him to do the work, I decided that I would take matters into my own hands and do the job myself. I saved time and money! Try taking on smaller tasks on your own rather than hiring someone to do it. You'll save money and feel more accomplished once the project is finished.

Host Affordable Parties

If you are like me, you enjoy hanging out with people in social settings. Hosting affordable parties doesn't have to be strenuous. Have party guests bring their own food or beverages. Better yet, have everyone pitch in five or ten bucks and buy things in bulk. Parties don't have to be expensive ordeals!

Protect Your Privacy

Do you have a lame password? Do you use the same password for ever single account you have? Chances are, you should probably change it. Huffington Post came out with a list of the 25 worst passwords that people are using today. Is your password on the list? It may be time to change! A more secure password means better security and less change of someone stealing your identity.

Automatic Savings

While I haven't set this up yet, I feel like it would be a really good idea. Go to your financial institution and set up a new account that will be there for saving purposes. Take an allotted amount of money each week out of your paycheck and set it aside. It could be an emergency fund, vacation fund, or anything else you may be looking to save up for.

Check out the list of all 50! There are some great tips throughout the article that we could all use.

What are you going to do this year to improve your finances?

Seth P.