Amber Burton

speaker

331 appearances 7 recordings 1 series first heard Nov 2020 last heard Jun 2021

Amber Burton’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · How to Improve Your Financial Health in 2021 · 30 Dec 2020 podcast

And many people will find when they're assessing their bills and their statements that they have a lot of different accounts in different places. voice-verified

And so if you find that that's the case, you might want to streamline these accounts. voice-verified

Streamlining accounts can be a real benefit because you can get rid of those maintenance fees on accounts that you might not even be using and really add up. voice-verified

Another thing that you might consider streamlining is you might find that you have different little retirement accounts from past jobs in different places. voice-verified

So really rolling those together into possibly like an IRA could go a long way as well in terms of just being able to keep an eye on where your funds are and what you have. voice-verified

So to do a self audit, it's really just a matter of, again, taking stock of those payments that you might be forgetting about. voice-verified

So the first step that was recommended by one financial planner was start by looking for your subscriptions. voice-verified

Everybody knows that they have a lot of different subscriptions, whether that be to music companies or to magazines. voice-verified

Take stock of the subscriptions that you have and voice-verified

Maybe turn off some of the ones that you're not using anymore. voice-verified

The ones that often slip through the cracks are subscriptions for apps and free trials that people often forget to cancel or pause after a certain amount of time. voice-verified

there are definitely other options for people to check on their credit and it should really be built into their kind of annual self-check throughout the year. voice-verified

There are still resources such as annualcreditreport.com where they allow you to pull free reports, not as frequently, but still you can do it in a strategic way to pull your credit report from various bureaus throughout the year. voice-verified

And when you do that, it doesn't negatively affect your credit score. voice-verified

It's actually considered a soft pull of your credit. voice-verified

Going into the new year, it's a really good idea to go ahead and look at any credit card offers you might have taken advantage of last year, especially those 0% offers. voice-verified

You want to go ahead and look and pay special attention to what that promotional period was. voice-verified

Make sure you have a plan to either pay it off by a certain amount of time, or you can transfer that balance over to another card without being charged interest unintentionally. voice-verified

That's a really good way to save some money. voice-verified

So high cost debt is going to be those high interest credit cards that you have that charge exorbitant amount of interest. voice-verified

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