How To Simplify Your Finances For The New Year

first_imgShare this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) RelatedHey, Big Spender! Can You Afford It?December 20, 2016In “Budgeting”How to Free Yourself from Financial StressJuly 3, 2019In “Financial Goals”How to Kick-Start Your Retirement Fund in the New YearJanuary 1, 2019In “Financial Planning” As we enter the new year, it’s time to reflect back and think about how we want to do things differently. There are lots of ways to make positive changes for the upcoming year, but starting with foundational elements like personal finances can have a ripple effect across the rest of your life.Let’s start off the new year in a great way by simplifying your finances with these helpful tips.#1 Give Yourself Permission To Let Go Of Sunk Costs And Move ForwardYou may have made some decisions that didn’t go as well as you thought they would, or started a hobby that instead of bringing you enjoyment, brought you an endless pit of expenses. In the new year, allow yourself to let go of those burdens and start fresh—focus on doing what feels right for you right now, even if it means starting from scratch.It might sting a bit to take a brief loss on a project you started but don’t want to finish, but it’s better than allowing it to drain additional resources well into 2018.#2 Automate Your Savings PlanThe best way to make sure you hit a savings rate goal is to automate the process of saving itself. If you earn consistent paychecks from a job or contract gig, set up an automatic transfer for your desired amount. That way, it will appear as though you have less to spend and make budgeting easier.If you have a variable income from month to month, choose a percentage that you want to save and take that much out each time you receive a payment.For example:If you want to save 10% of your income, transfer out $100 if you get a check for $1,000 or $1,000 if you get a check for $10,000.This way, your savings rate will stay consistent and scale with your income each month.#3 Only Use One or Two Methods Of SpendingThe best way to keep track of all your spending throughout the year is to consolidate where you have to keep track of it. If you have a credit card or two that you like to use for cashback or rewards, choose what kind of spending you’ll do on each one and stick to it throughout the year.If you have a passion project or a side hustle, it’s really helpful to separate out those expenses from your personal ones as well. Keeping those purchases on a second card or checking account really gives you a up-to-the-minute look at how things are going.Doing so helps you stay on top of your profitability and make sure you’re not overspending each month.#4 Use An Aggregator To Get Everything In One PlaceOf course, using a financial dashboard like Mint.com allows you to see everything in one place and efficiently track your spending, saving, and make sure you’re on track with your money goals all year long.You won’t have to second-guess whether you’re staying on track with your goals, because all the information you need will be syndicated in one convenient place for you. It’s really hard to improve what you don’t track, so make sure to use a dashboard to keep everything under a watchful eye.#5 Review And Assess Monthly Recurring ExpensesWhen repeated often, small expenses really do add up. Take a look at your spending over the last year and total up all of the monthly-billed services you had during that time. Add up the total spent and determine whether you feel that you got your money’s worth during that time.See which recurring expenses you may be able to lessen or eliminate completely and automatically spend less each month. It’s easy for charges like these to get buried in credit card and banking statements, so take some time to make sure you’re not paying for anything you don’t want or need anymore.Really, simplifying your finances is all about consolidating spending, tracking information, and letting go of sunk costs so that you can move forward with your life and make solid progress towards your financial goals this year. The less you have to think about it on a regular basis, the more you can focus on the other things you want to do every day. Post navigationlast_img read more

Former Cardinals kicker Phil Dawson retires

first_img Former Cardinals kicker Phil Dawson retires 2006Bears 37, Seahawks 6 (Week 4)Bears 27, Seahawks 24 (Divisional) The most recent example of the tables turning in the playoffs happened in 2012, and it involved the Packers. Green Bay lost a Week 17 matchup to Minnesota, 37-34, on a last-second field goal by Vikings kicker Blair Walsh. The very next week, the Packers bounced back and beat Minnesota 24-10 in the Wild Card round.Another aspect of Saturday’s playoff rematch is just how soundly the Packers were beaten at University of Phoenix Stadium in December. The Cardinals sacked Aaron Rodgers and backup quarterback Scott Tolzien a total of nine times, forced four turnovers and scored two defensive touchdowns.It was a rare defeat for Green Bay. The Packers have lost by 30 or more points only six times since 1990.As Gary D’Amato of the Milwaukee Journal Sentinel points out, only once has a Packers team who lost a game by 30 or more points and avenged that loss the same year — and that happened all the way back in 1959. The Packers were blown out by the Los Angeles Rams 45-6 in October and then beat the Rams 38-20 seven weeks later.Since 2000, there has been 233 games decided by 30 or more points in the NFL. Only five times has a game decided by that big a margin been rematched in the playoffs. The Cardinals-Packers game Saturday will be the sixth. Teams who won the regular season game are 3-2 in postseason rematches. The Cardinals have been in this situation before. In the 2010 playoffs, the Cardinals matched up against a Green Bay team that had come to Glendale and beaten them 33-7 to end the regular season. Of course, the Cardinals, then coached by Ken Whisenhunt, had essentially nothing to play for, and rested several starters. Green Bay took a different approach.“We wanted to come out here to win the game, keep our razor sharp and gain some momentum going into the playoffs,” head coach Mike McCarthy said at the time. “It didn’t matter who we were playing. I understand Arizona had a different agenda. … We like the way we played the last eight weeks and it was very important for us to maximize this opportunity.”None of it mattered. The very next week, the Cardinals needed overtime to beat the Packers 51-45 in the NFC Wild Card Round in what was one of the best playoff games of all time.This year, the Cardinals are hoping that the previous matchup is an accurate depiction of the gap between the two teams, but are expecting a different-looking group of Packers.“It will be a different team this time around,” head coach Bruce Arians told Bickley and Marotta on Arizona Sports 98.7 FM Monday. “They obviously got a little confidence after the way they played (against Washington), and they got some healthy offensive linemen back which will make a big difference in the game.” YearRegular Season Result (Week)Playoff Result (Round) 2015Cardinals 38, Packers 8 (Week 15)??? 2010Patriots 45, Jets 3 (Week 13)Jets 28, Patriots 21 (Divisional) 2009Jets 37, Bengals 0 (Week 17)Jets 24, Bengals 14 (Wild Card) Green Bay Packers quarterback Aaron Rodgers (12) is sacked by Arizona Cardinals cornerback Jerraud Powers (25) during the second half of an NFL football game, Sunday, Dec. 27, 2015, in Glendale, Ariz. (AP Photo/Ross D. Franklin) 2013Patriots 41, Ravens 7 (Week 16)Ravens 28, Patriots 13 (Championship)center_img 2015Seahawks 38, Vikings 7 (Week 13)Seahawks 10, Vikings 9 (Wild Card) Comments   Share   It is interesting to note, there could be third such matchup if the Cardinals and Seahawks both win their Divisional Round games. Seattle crushed Arizona 36-6 in Week 17. – / 36 Top Stories The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Derrick Hall satisfied with D-backs’ buying and selling The Arizona Cardinals annihilated the Green Bay Packers 38-8 in Glendale back in Week 16 of the regular season.You’d think a playoff rematch just three weeks later in the same venue would have a lot of the same characteristics as the regular season game, but that’s just not the case.Seven times since 2009, there has been a playoff game between two teams that met in Week 16 of the regular season or later. Four times, the team that won that regular-season game triumphed again in the playoffs. Three times the loser of the regular-season game moved on. Grace expects Greinke trade to have emotional impactlast_img read more