It's hard to get focused on improving your financial health, especially when faced with debt, inflation and a hundred other things coming at you every single day.

To make positive changes in your situation you will have to take action. Sitting back and waiting for someone else, or something else to save you is not a strategy.

I've created a strategy that includes a few steps to get you started:
1. Brainstorm your financial goals over the next month, year, and 5 years. Write everything down no matter how out of reach it may seem to be right now.
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2. Have a real, both eyes open, fully transparent look at your current financial situation. What things are you doing that are keeping you from progressing? What things are you doing that are brining you closer to your goals?

3. Build an Emergency Fund - at least 3 months of your expenses. This may be the hardest thing to accomplish when first getting started, and debt management may be something to tackle at this point also, which brings us to the next step.

4. Pay off highest interest debt first, and then move onto the next highest interest, and so forth. There are many debt reduction strategies out there, but none of them work until you get started. Pay more than the minimum payments on your credit cards and pay avoid late payments. If your credit score need rehabilitation we need to have a separate conversation and we should have it ASAP.

5. Insurance is an important part of the process. An unlucky break or an unfortunate event can undo any or all of your progress. Insure your income, insure your stuff. Make sure you are getting the best value for your premium spend, but remember, this doesn't always mean going with the cheapest possible option.

6. It's now time to start building your wealth through savings and investing. Be sure to keep you time horizon and risk tolerance in mind. Don't go all in on risky investments straight away. Build a foundation of safe investments first and then you might want to consider taking on some more risk with a small part of your portfolio.

7. Be disciplined and consistent. Don't be afraid to ask questions, or to get help when needed. Over time small steps can make a large difference!

If you just don't know where to start, or have some questions about this topic feel free to reach out to me to talk. 
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Book a 15 minute meeting with me here: https://calendly.com/jasonrgenua/15min