Improve Your Financial Picture: 100+ Ideas

updated May 3, 2019
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(Image credit: Marcia Prentice)

I don’t have to tell you this, but money matters. Even if you consider yourself a card-carrying minimalist who thinks “materialism” is a dirty word, you need money to exchange for goods and services, like rent and food and the shirt on your back. Your financial goals shouldn’t be to keep up with the Joneses, but you should have a good idea of what it costs to maintain your lifestyle—whether that’s backpacking through the countryside or investing in high-dollar real estate—and a plan for the future.

It’s far too easy to let your finances fall by the wayside as you’re managing all the other areas of your life. But now is as good a time as ever to get back on track. Do you have a budget? Is your spending under control? Do you have a plan for the future, and more importantly, are you on track to making it happen?

(Image credit: Margaret Lee)

Find Harmony at Home


In order to bring your life into balance, it can help to see a top-down, bird’s-eye view.

Once you see that your financial picture isn’t as clear as you’d like, put your money where your mouth is and get started with one of these resources.

To make a budget…

To slowly move the net worth needle…

To curb your spending…

To pay down your debt…

  • Cut down your credit balance: How To (Finally!) Slash Your Credit Card Debt This Year
  • Attack your student loans: 3 Tricks for Finally (!!) Paying Off Your Student Loans
  • Find make-it- happen motivation: Strategies that Helped 9 Real People Smash $475,000 of Collective Debt
(Image credit: Marisa Vitale)

To save more money…