Resolutions For You And Your Business!

Financial Resolutions You Can Keep:

1. Pay Down Debt: Unsurprisingly, this is one of the most common financial resolutions every year. What we want you to focus on: pay down your debt, you don't have to pay it off completely. Keep your goal realistic, this will make your goal easier to achieve and you will accomplish more in the long run. And remember - when you pay is more important than the amount you pay (pay ON-TIME to prevent penalty charges)!
   
   
2. Pay Yourself: Set money aside for your future self, in the form of a long-term savings account or retirement fund. Again, keep the contribution realistic for your financial needs, but even a few dollars will make a difference!
   
   
3. Boost Your Credit: If you have been a member of the HOPE BSG family for the past year, you know we love to give out tips on how to improve your credit scores. Most financial success today is dependent upon your personal credit score, even if you aren't trying to get a loan or credit card. This goal is easy to achieve by making small improvements one step at a time (such as staying below 30% utilization on credit cards, making on-time payments, and removing inaccurate information on your credit report) - check out our website for more!
   
   
4. Put More Money In Savings: This is another one of the most common financial resolutions each year. Remember to start small, just like what we mentioned in bullet point number 2 - a few dollars here and there is better than nothing! The secret to keeping this resolution is to have a functional budget; when you have a budget that works for you, you will know where your money is going and you can more easily redirect some of it to your savings.
   
   
5. Treat Yourself: Yes, you read that right. Treat yourself every now and then! As long as you don't go overboard, allow yourself to splurge occasionally. You have to give yourself a break, and treating yourself can actually help you stay motivated - again, as long as you stay within reason!

Some Resolutions For Your Business:

1. Utilize What You Have: The New Year is a perfect time to take inventory of what you already have, before you decide to start everything anew. Sort out your finances, determine what you have (labor, skill, online presence, network, physical inventory) and see what you can use going forward and what is weighing you down. As with all resolutions, feel free to start small and work through your resources little by little.
   
   
2. Start Using Business Credit For Expenses: If you aren't using business credit yet, you should be! Business credit is a great way to have flexible funding available for just about any need your business may have. Using business credit is easy, you just have to establish it first - check out our Business Credit FAQs page for more info and feel free to fill out our Business Assessment if you want to know what business credit can do for you!
   
   
3. Protect Your Business: Now is a great time to get business legal protection and business insurance established. Business insurance and legal protection are crucial for small businesses, many of which are already vulnerable financially if an emergency or legal trouble comes up. These policies can protect you and your business in the worst of times; even if another pandemic-induced shut down occurs, you can protect your business and maintain functionality with business insurance in place. Check out our website to learn more.

Need Extra Help With Your Personal Finances?

We have resources and knowledge to help you with your personal financial success TODAY! CLICK HERE to complete our Personal Financial Solutions Assessment and get started on your journey to financial wellness RIGHT NOW!

No matter what your business needs, HOPE BSG has the solution.

Complete our Business Assessment to receive a complimentary consultation - and take your business to the next level.

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