{"id":3166,"date":"2023-01-14T13:00:00","date_gmt":"2023-01-14T05:00:00","guid":{"rendered":"https:\/\/shawnjosiah.com\/shawnjosiah\/?p=3166"},"modified":"2023-01-16T15:05:21","modified_gmt":"2023-01-16T07:05:21","slug":"smart-money-moves-that-you-should-do-this-2023","status":"publish","type":"post","link":"https:\/\/shawnjosiah.com\/shawnjosiah\/smart-money-moves-that-you-should-do-this-2023\/","title":{"rendered":"Smart Money Moves That You Should Do This 2023"},"content":{"rendered":"
\n

Smart Money Moves That You Should Do This 2023<\/span>
<\/h2>

Every year, you make a resolution to improve your finances by the end of the year, but it doesn't always pan out.<\/span>
<\/p>

This year, let's make a concrete plan to achieve that goal and make your life less stressful along the way.<\/p>

Invest In Gold <\/span><\/h2>

Diversify your portfolio by investing in gold. The stock market can be unpredictable, but by including gold in your investments, you can hedge against uncertainty. Gold has been a trusted means of protecting against inflation, currency devaluation and political risk for thousands of years. It is recommended to allocate about 10% of your portfolio for gold investment. However, be cautious of the people you deal with when investing in gold.<\/p>

Aim For Another Million <\/span><\/h2>

Consider seeking professional advice to potentially increase your investment returns. A Vanguard study found that on average, a $500,000 investment over 25 years would grow to $3.4 million with the help of a professional, compared to $1.7 million if managed independently. A financial advisor can assist with creating a plan, maximizing Social Security benefits, protecting assets, and providing peace of mind by ensuring you are on the right track. They can also be there for you in case of unforeseen circumstances. To find a reputable financial advisor, consider using a no-cost online service such as SmartAsset, which matches you with vetted financial advisers in your area who are legally bound to act in your best interests.<\/p>

Be Debt-Free <\/span><\/h2>

Take action to reduce your debt and keep more money for yourself. If you are able, pay off your debts on your own, but if you need professional help, consider seeking assistance. There are many reputable companies such as National Debt Relief that provide debt relief services with no upfront cost and no obligation to start. National Debt Relief has helped over 400,000 people, is A+ rated by the Better Business Bureau and has high ratings from Top Consumer Reviews, Trustpilot, ConsumersAdvocate, and ConsumerAffairs. To get started, fill out a form on their website, and a debt coach will contact you to discuss your situation. They will create an affordable plan and provide an estimate of when you can be debt-free.<\/p>

Minimize Home Repairs <\/span><\/h2>

Homeowners insurance is important, but it may not provide coverage for all potential breakdowns and repairs in your house. Systems and appliances can malfunction and the costs of finding a reliable repair company and paying for the repairs can add up quickly, especially if multiple things break down in the same year. To eliminate these unexpected bills, consider investing in a home warranty or service contract to cover the cost of repairs for appliances and systems. This can provide peace of mind and save you from costly repairs.<\/p>

Beware of Scammers<\/span> <\/span><\/h2>

Protect yourself from scammers by being vigilant and taking preventative measures. Avoid clicking on links in emails from unknown sources, refrain from providing personal information over the phone or through text messages, and take steps to secure your identity. A monitoring service such as McAfee can assist with this by constantly scanning for threats to your identity and alerting you if something suspicious is detected. It is a quick and easy way to enroll and can provide peace of mind that your identity is being protected.<\/p>

Play Games And Earn Money <\/span><\/h2>

Earn money while enjoying your favorite games by downloading free apps on your Apple phone or iPad. It's a unique way to make some extra cash while having fun. It's worth exploring this option if you are looking for ways to earn money while doing something you enjoy.<\/p>

Final Thoughts <\/span><\/h2>

In conclusion, managing your finances and achieving your financial goals can be challenging, but with the right strategies in place, it is possible to make significant progress. The key is to make a plan and stick to it. The money moves discussed in this article, such as creating a budget, building an emergency fund, paying off high-interest debt, increasing your savings rate, investing in your future, and reviewing your insurance coverage, can help you take control of your finances and improve your financial situation in the year 2023. It's important to remember that while there are no guarantees of success, taking the steps outlined above can put you on the path to financial stability and peace of mind.<\/p>


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<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

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