How to Make Money Resolutions That Pay Off


What's Hot


2 Types of Black Marks Might Vanish From Your Credit File SoonBorrow

6 Ways the Obamacare Overhaul Might Impact Your WalletInsurance

7 Dumb and Costly Moves Homebuyers MakeBorrow

This Free Software Brings Old Laptops Back to LifeMore

Obamacare Replacement Plan Gets ‘F’ Rating from Consumer ReportsFamily

Beware These 12 Common Money MistakesCredit & Debt

21 Restaurants Offering Free Food Right NowSaving Money

17 Ways to Have More Fun for Less MoneySave

House Hunters: Beware of These 6 Mortgage MistakesBorrow

30 Household Uses for Baby OilSave

25 Ways to Spend Less on FoodMore

Nearly Half of Heart-Related Deaths Linked to These 10 Foods and IngredientsFamily

5 Surprising Benefits of Exercising Outdoors in WinterFamily

10 Ways to Save When You’re Making Minimum WageSave

Boost Your Credit Score Fast With These 7 MovesCredit & Debt

7 Painless Ways to Pay Off Your Mortgage Years EarlierBorrow

The Most Sinful City in the U.S. Is … (Hint: It’s Not Vegas)Family

The True Cost of Bad CreditCredit & Debt

10 Companies With the Best 401(k) PlansGrow

This Scam Now Tops ID Theft as the No. 2 Consumer ComplaintFamily

6 Stores With Awesome Reward ProgramsFamily

6 Ways to Save More at Lowe’s and The Home DepotSave

6 Healthful Treats for Your DogFamily

New Study Ranks the Best States in the U.S.Family

Thousands of Millionaires Moving to 1 Country — and Leaving AnotherGrow

Strapped for College Costs? How to Get the Most From FAFSABorrow

6 Overlooked Ways to Save at Chick-fil-AFamily

Ask Stacy: What’s the Fastest Way to Pay Off My Mortgage?Borrow

Where to Sell Your Stuff for Top DollarAround The House

8 Ways to Get a Good Price on a Shiny New AutoCars

Ask Stacy: How Do I Start Over?Credit & Debt

Secret Cell Plans: Savings Verizon, AT&T, T-Mobile and Sprint Don’t Want You to Know AboutFamily

30 Awesome Things to Do in RetirementCollege

14 Super Smart Ways to Save on TravelSave

The Rich Prefer Modest Cars — Should You Join Them?Cars

You’ll Soon Pay More to Shop at CostcoSave

10 Ways to Save When Your Teen Starts DrivingFamily

Happy New Year? When it comes to financial resolutions, surveys say we think we're doomed to fail. But it's not true.

When it comes to making New Year’s resolutions about money, most Americans know what they need to do – and they seem to know they’re not gonna do it.

At least, that’s what a new survey from the Allianz Life Insurance Company indicates…

Even though 2011 saw high unemployment, sagging home prices and a volatile stock market, 80 percent of Americans said that they will not focus on financial planning with their resolutions for 2012. This lack of financial focus is at the highest level in the survey’s three-year history, exceeding the 67 percent who ignored financial planning when making resolutions in both 2009 and 2010.

The reasons aren’t hard to guess…

  • 35 percent said they weren’t making a New Year’s resolution about their finances because they “don’t make enough to worry about it.”
  • 17 percent said it’s because they “don’t have an advisor/financial professional” to guide them.
  • 23 percent said  they already “have a solid financial plan.”

That simply doesn’t make sense. If you earn anything at all, you should worry about keeping more of it. If you have nobody to guide you, that’s what websites like Money Talks News are for. And no one’s financial plan is so solid they don’t need to revisit it at least annually.

But if you’re going to make a New Year’s resolution about your money, take the advice of the experts who say, “It’s not so much the resolution as it is how attainable or realistic the goal is.” (Or so said clinical psychologist Dr. John Norcross to National Public Radio.)

Here are a half-dozen very easy-to-attain financial resolutions that require only minutes of your time…

1. Resolve to order your free credit reports – but only from AnnualCreditReport.com. You’ve probably heard that you’re entitled to free credit reports from each of the big three reporting agencies (TransUnionExperian, and Equifax). But don’t order them from anywhere else but this government-approved site – because it’s the only place they’re truly free. Those other sites you see in commercials try to sell you services you don’t need. Read Why Can’t I Get My Free Credit Report?

2. Resolve to shop generic in your grocery store. This is so easy to do, yet so hard for some folks to believe – yes, generic groceries can be a bargain without any drop-off in quality. When Money Talks News founder Stacy Johnson listed 7 Things You Should Always Buy Generic last year, he got hate mail. But he followed it up with What’s in a (Brand) Name? and we actually interviewed some grocers in More Good Reasons to Go Generic in the Grocery Store. They say Stacy was right.

3. Resolve to save money on medicine. Turns out generics are just as good at the pharmacy as the grocery. And there are other oh-so-simple ways to save. Our 10 Tips to Safely Save on Prescriptions are doctor-approved.

4. Shop online at reputable websites you never knew existed. Sure, you can save at Amazon and eBay under the right circumstances. But there are much smaller sites offering big deals to attract attention. We list them at 12 Top-Rated Shopping Sites You Never Heard Of.

5. Spend exactly five minutes searching for a new credit card. First, read How to Pick the Perfect Credit Card. Then go to our Credit Card Search Tool and look up the terms that fit your needs. Don’t fret, our search tool is unbiased – we’re not in the pocket of any credit card company.

6. Find the best deals in seconds. There are a lot of websites out there that scour the Internet for discounts and coupons on every item under the sun. But almost all of them are automated, and you can spend hours finding deals that actually apply to your life. Money Talks News’ Deals & Coupons section  isn’t some robotic search – we hired a real live person to cherry-pick only the best deals. Check out Karla’s short list of stellar deals on Mondays, Wednesdays, and Fridays.

Of course, we recommend you click around our entire site whenever you have the time – because our New Year’s resolution is to find you even more ways to make you richer in 2012.

Stacy Johnson

It's not the usual blah, blah, blah

I know... every site you visit wants you to subscribe to their newsletter. But our news and advice is actually worth reading! For 25 years, I've been making people richer without making their eyes glaze over. You'll be glad you did. I guarantee it!

💰🗣📰

Read Next: Lookin’ Good! How to Get a Killer Deal on Eyeglasses

Check Out Our Hottest Deals!

We're always adding new deals and coupons that'll save you big bucks. See the deals to the right and hundreds more in our Deals section.

Click here to explore 1,958 more deals!