10 Ways to Improve Your Health & Wealth In 2018

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8. Put at least $100 per month in a savings account.

If you can do more–do more. But I would start with $100/month. And if you get direct deposit, I would set it up so that money is automatically transferred. That way, you won’t even miss it out your check and you can learn to live off what you have left over. At the end of the year, you’ll have $1,200 saved. It may seem small, but it’s a start, and you’ll be amazed if you knew how many Americans don’t even have that.

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7. Pay off your credit card debt and think twice before using.

I’ve had a few credit cards since I went off to college, and although they’ve helped me through some hard times, the interest part is what I’m not a fan of. I’ve had a $2,000 credit line before and it was hell trying to payback. Some people have way more than that ($10,000+) and I can’t imagine the nightmare they’re faced with every month.

Another thing about credit card debt is that if you use up too much of your credit each month–it will drop your credit score. Speaking of credit score and managing debt, a free tool that I’ve been using for quite some time now is called CreditKarma.

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