Phil's Personal Finance Tip of the Day:
50 Ways to Improve Your Finances in 2013
Conquer the new year with these savvy money management strategies
By Kimberly Palmer/US News & World Report
Along with a fresh start, the new year brings uncertainty about changing tax laws, growing concern over online privacy and security, and challenges for almost every demographic group—even the wealthy, who face steep tax increases. To help you get ready to tackle your own money goals for 2013, we gathered our best advice from the past 12 months and organized it into 50 bite-size steps:
1. Be a year-round discount shopper.
Specific holidays used to loom large in the world of coupon hunters, who expected to see massive discounts on July Fourth, Labor Day, Black Friday, and other big shopping days. But recently, that's been shifting as retailers are offering sales all year long, and often at unexpected times. In 2012, for example, retail experts noted that Christmas sales started in October, and continued all season, partly in response to customer demand. That means shoppers should always be on the lookout for the best deals, regardless of the calendar date.
2. Ask for what you want.
As the economy recovers, retailers are eager to pick up the biggest share of consumers' spending what they can, and in some cases, that means adopting more flexible pricing policies. Towards the end of 2012, several big-box stores, including Target and Best Buy, launched temporary price-matching policies. That trend could continue into 2013, which means customers can be more assertive about asking stores to match prices they find elsewhere.
To read the entire article from Kimberly Palmer/US News & World Report:
http://money.usnews.com/money/personal-finance/articles/2012/12/20/50-ways-to-improve-your-finances-in-2013?s_cid=related-links:TOP
Inspirational Quotes@Inspire_Us from Twitter:
Sometimes it is not enough to do our best; we must do what is required. - Winston Churchill
Hi my name is Philip J. Miano and I am the founder of PJM Personal Finance and Productivity Coaching specializing in Budgeting, Debt Reduction, Bank Reconciliations, Goal Setting, Time Management, and Organizational skills. Please visit my website: http://pjmcoaching.com
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