- Review your credit report for any errors or fraud. Just go to annualcreditreport.com to get yours for free.
- Create a personal spending plan (budget). A budget will help keep you focused and on-track to reach your financial goals. If you already have one, the start of the year is a great time to review it for any necessary revisions. Find budgeting and other resources at our website at https://www.ccoacares.com/resource-center/
- Set some written goals. Create a few financial goals for this year – perhaps for paying off a credit card, etc.
- Improve your credit score. The majority of your credit score (65%) is based on just two factors – how well you have paid in the past, and how much you owe. Paying on-time and knocking down debt will raise your score.
- Create an emergency spending fund (or add to an existing one). The majority (56%) of U.S. adults don’t have $1,000 saved for an emergency expense such as an unexpected car repair.
CCOA has helped thousands of people to achieve financial stability and reach their financial goals. For your free appointment, call 479-521-8877 or fill out the appointment form at www.CCOAcares.com
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