With the New Year almost upon us, it’s that time of year when many of us start to think about New Year’s resolutions.
Chances are, you’re thinking about losing the Christmas pounds gained from eating more food than you intended and maybe you’re thinking about other good habits like quitting smoking or visiting the gym a little more frequently. New Year’s resolutions are all about improving yourself by adopting better habits.
And why should it be any different with your credit? You already know how important your credit is (after all, you’re smart enough to be reading about it on Credit.com). So taking steps to improve yourself by improving your credit habits is a smart way to transform your year.
Here are 13 New Year’s Resolutions to adopt in 2013 that can help you maintain good credit habits. And you’ll notice that they are all tied together by one overarching resolution: Proactively adopting good credit habits.
Choose the habits you want to adopt this year and mark them on your calendar. And as a bonus tip: Set reminders on Jan. 15 and Feb. 1 to stick with these resolutions, since those are the most frequent times of year when people drop their resolutions.
And if you stick with these resolutions, you’ll develop better credit habits that can help you get access to loans, lower interest and down payments, and protect yourself from identity fraud. Start 2013 off on the right foot with proactive credit habits!
-- Jeanne Kelly is a nationally recognized authority on credit, the founder of The Kelly Group and the author of The 90-Day Credit Challenge. She has appeared on The Today Show, and blogs for Huffington Post & Poughkeepsie Journal. Visit her online at www.JeanneKelly.net and follow her on Twitter @CreditScoop.
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Planning for 2014? Then you will want to know that the contribution limits for Thrift Savings Plan (TSP) and Individual Retirement Arrangement (IRA) account has not changed from the 2013 limits. Thrift Savings Plan The regular 2014 contribution limit for TSP will remain $17,500. That’s great for those of us who have automatic deductions set [...]