MAKING BREAD’s Top 10 Failed

Financial New Year’s Resolutions

Many make them; few keep them.

Will this be the year we all learn to

‘buck the trend’?

1. SPEND LESS: I will count my calories AND my pennies, because I know that, when it comes to money, spending less is the only way that “less is more” makes any sense.

2. SAVE MORE: I will get a warmer, fuzzier feeling when I put $100 in my savings account than I do when I put a cashmere sweater on my back.

3. OWE LESS: I will give credit where it’s due—to myself for getting serious about consolidating my loans and paying down my debt.

4. PAY PROMPTLY: I will remember to pay my bills on time so that I can avoid those outrageous, annoying late-payment fees that make it impossible to get ahead—and protect my credit rating in the bargain.

5. GET ORGANIZED: I will arrange my financial papers so that I can find them when I need them.

6. BECOME A BARGAIN HUNTER: I will compare prices on everything from interest rates to light bulbs. (Is it time to refinance my mortgage?) I will form a savings club with my friends and buy in bulk. Outlets will be my outlet when the urge to splurge hits!

7. BE PREPARED FOR ANYTHING: I will start an emergency fund so that, in the event that I am laid off, I will have at least three months’ salary saved up.

8. THINK LIKE A MOGUL: I will form an investment club with my friends to learn about the stock market, then act on my newfound knowledge.

9. LOOK TO THE FUTURE: I will make a plan outlining where I want to be in five years in terms of my career and my financial security…and I will map out a way to make my dreams come true.

10. GIVE BACK: I will keep spare change and dollar bills in my pocket and hand them out daily to those in need wherever I see them, because I know that kindness pays huge dividends.
 

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