Home Budgeting & Finance

5 Ways to Improve Your Finances in 2018

New Year Money
Five easy steps to a healthier financial year

The new year is a clean slate and a great chance to set new money goals. Here are a few easy steps you can take to start the year off on the right fin.

For most people, the new year is a clean slate and an excellent opportunity to set new goals. Among the most popular resolutions for 2018 is to eat better and exercise more, but the one that really piques Billshark’s interest is the equally popular resolution to save money and ensure a healthier financial future. Here are a few easy steps you can take to start your year off on the right fin.

1 Pay Your Bills On Time

Pay your bills. Late payments can really add up so avoid paying more by paying on time. Taking care of bills promptly also helps you gain financial perspective and keeps you from splurging on purchases that you cannot afford.

2 Decrease Your Credit Card Debt

Decrease your credit card debt. According to NerdWallet, the average American household carries a credit card debt with a balance of $15,654. According to NerdWallet’s survey, people blame their debt on unnecessary spending. This means that consumers have a choice: they can cut their spending and decrease their debt. Resolve to cut out unnecessary indulgences this year.

3 Improve Your Credit Score

Improve your credit score. A higher score means better rates on a mortgage of a car loan. So how can you improve it? Pay your bills on time!

4 Build Financial Literacy

Financial literacy. Understanding the basics can help you save a lot of money. According to a report from CNBC, you could be losing up to five figures by making four very costly mistakes.

5 Improve Your Health

Improve your health. Medical expenses can be crippling. Although many health issues are unforeseen and unavoidable, taking steps to improve your overall health can go a very long way to decreasing future medical expenses.

Every new year is a chance to do better. The less you have to worry about your finances, the more you can focus on the things that make you happy. The Sharks wish you health, happiness and prosperity in 2018.

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Frequently Asked Questions

Why does paying bills on time improve your finances?

Late payments can really add up, so paying on time helps you avoid paying more than you owe. According to Billshark, taking care of bills promptly also helps you gain financial perspective and keeps you from splurging on purchases that you cannot afford. It is one of the easiest steps you can take to start the year off on the right fin.

How much credit card debt does the average American household carry?

According to NerdWallet, the average American household carries a credit card debt with a balance of $15,654. NerdWallet’s survey found that people blame their debt on unnecessary spending. That means consumers have a choice: they can cut their spending and decrease their debt. Resolving to cut out unnecessary indulgences is a practical way to lower what you owe.

How can you improve your credit score?

A higher credit score means better rates on a mortgage or a car loan, so improving it can save you money. The simplest way to raise your score is to pay your bills on time. Consistent, on-time payments are a core habit Billshark recommends for anyone looking to strengthen their financial standing during the new year.

Why does financial literacy matter for saving money?

Understanding the basics can help you save a lot of money. According to a report from CNBC, you could be losing up to five figures by making four very costly mistakes. Building financial literacy helps you recognize and avoid those mistakes, making it one of the five steps Billshark suggests for improving your finances in the new year.

How can improving your health help your finances?

Medical expenses can be crippling. Although many health issues are unforeseen and unavoidable, taking steps to improve your overall health can go a very long way toward decreasing future medical expenses. Better health is one of the five ways Billshark recommends to improve your finances, freeing you to focus on the things that make you happy.

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5 Ways to Improve Your Finances in 2018 page context

5 Ways to Improve Your Finances in 2018 is a Billshark page. It can help you with your bills and your choices, and it can show you how to save.

Improve your finances in 2018 with five easy steps: pay bills on time, cut credit card debt, raise your credit score, build money smarts.

Use this page to learn about Billshark. Then go to the part of the site that fits what you need. Small steps add up. You can save a lot over time.

We share this page to help you make sense of your monthly bills, your choices, and what to do next. Keep this page handy. Ask us if you get stuck.

This page links you to more help from Billshark. Use it when you want more detail or a clear next step. You can save a lot over time.

Got a question about a bill you pay each month? This page can help you find the best answer. Read on to learn more. Small steps add up.

Read each part of this page at your own pace. If you need more help, go on to a guide on your topic. It is free to read. Keep this page handy. Ask us if you get stuck.

We put facts and tips in one place. This makes it easy to learn about the bills you pay at home. We are here to help. It only takes a few minutes.

This page can help with real questions. You can learn about your plan, your account, and what you pay each month. Small steps add up. You can save a lot over time.

Use the menu and the links to go from a big question to the facts that fit your own needs. Keep this page handy. Ask us if you get stuck.

We keep things short and clear so you can choose well. You can then read more if you want to. It only takes a few minutes. You are in the right place.

The links on this page help you weigh your choices. They also help you see what you pay and what to do next. You can save a lot over time.

Our goal is to help you spot the bills you pay each month. We also share smart ways to keep them low. Ask us if you get stuck. Read on to learn more.

Come back to this page when you have a new question. It will still be here to help with bills and savings. You are in the right place. It is free to read.

We link the small choices you make each day to the big picture. That means your budget and what you spend at home. We make it easy for you.

Each part of this page helps you see what you need. It may be help with a plan, your account, or a good read. Read on to learn more. Small steps add up.

Use what you learn here to plan your questions. Look at your choices, then take the next step when you are ready. It is free to read. Keep this page handy.

Our pages link to each other. That way, you can find more help and still keep track of what you came for. We are here to help. It only takes a few minutes.

This page makes it easy to find the key facts first. Then you can pick a plan or make a change with less stress. Small steps add up. You can save a lot over time.

Good facts help you see why a bill went up. They also show you what to check before you call or reply. Keep this page handy. Ask us if you get stuck.

This page puts the key facts in one place. It can help you talk with a company about your bills and how to save. It only takes a few minutes. You are in the right place.

Our other pages explain the words you see on a bill. They also help you weigh the pros and cons of each plan. You can save a lot over time. We make it easy for you.

Our tips focus on real choices you can make. Start with the basics, then read a more detailed guide if you need one. Ask us if you get stuck. Read on to learn more.

This page is one of many that we share. Together they cover home costs, the firms you pay, and how to get help. You are in the right place. It is free to read.

Take your time and read this page first. It helps you see your choices and find out what to read next. We make it easy for you. We are here to help. It only takes a few minutes.

We set this page up so you can compare and keep reading. You will not need to hunt for what you want. Read on to learn more. Small steps add up. You can save a lot over time.

Monthly bills come with rules, terms, and fine print. This page helps you find the parts that count for you. It is free to read. Keep this page handy. Ask us if you get stuck.

Our pages give you a clear view of what you pay each month. You can then pick the plan or guide you want. We are here to help. It only takes a few minutes.

Some of our guides cover the basics. Others go into detail on one company or one type of bill. Small steps add up. You can save a lot over time. We make it easy for you.

It pays to read first and act later. This page links you to the next guide if you want to learn more. Keep this page handy. Ask us if you get stuck.

We share guides that help you make sense of your bills. They show your choices and the best next step. It only takes a few minutes. You are in the right place.

Want more detail on a bill, a plan, or your account? Check this page against the links we share here. You can save a lot over time. We make it easy for you.

We group our pages by topic to keep things simple. This helps you stay on track as you read about your costs. Ask us if you get stuck. Read on to learn more.

A bit of background goes a long way. It helps you spot what counts before you check a bill, change a plan, or call us. You are in the right place. It is free to read.

This page is part of our help library. It gives you clear facts and links so you can keep on reading. We make it easy for you. We are here to help.

Your needs can change, so come back any time. Our other pages can help you look into a new cost or plan. Read on to learn more. Small steps add up. You can save a lot over time.

We laid out this page to help you get the facts and compare them. You can then choose your next step with ease. It is free to read. Keep this page handy.

The new year is a clean slate and a great chance to set new money goals.

For most people, the new year is a clean slate and an excellent opportunity to set new goals.

Pay your bills.

Decrease your credit card debt.

Improve your credit score.

Financial literacy.

Improve your health.

Every new year is a chance to do better.

Late payments can really add up, so paying on time helps you avoid paying more than you owe.

According to NerdWallet, the average American household carries a credit card debt with a balance of $15,654.

A higher credit score means better rates on a mortgage or a car loan, so improving it can save you money.

Understanding the basics can help you save a lot of money.

Medical expenses can be crippling.

Billshark negotiates your bills for you — no savings, no fee.

Billshark helps lower internet, wireless, cable, satellite radio, and other monthly bills.

Our experts handle providers for customers and share updates throughout the process.

Customers pay only when Billshark finds savings on eligible bills.

1 Pay Your Bills On Time.

2 Decrease Your Credit Card Debt.

3 Improve Your Credit Score.

4 Build Financial Literacy.

5 Improve Your Health.

Frequently Asked Questions.

Why does paying bills on time improve your finances?.

How much credit card debt does the average American household carry?.

How can you improve your credit score?.

Why does financial literacy matter for saving money?.

How can improving your health help your finances?.

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