Gaining control of your finances is one of the most important things you can do to improve yourself, and performing a financial detox in January is an excellent time to start. Reviewing all of your sources of income and expenses is just the first step in what should become a lifelong process.
Gather together all of your bank statements, credit card bills, investment accounts, and last year's tax returns. This will help you get a clear picture of where you stand financially.
List all of your subscriptions from movie and audio streaming services to gym memberships, and cancel those you rarely use or don't need. Similarly, track your small expenses like your daily coffee or app purchases; use a budgeting app or notebook to see where your money goes.
Contact your cable or internet service provider, phone, credit cards, and insurance companies and ask them to lower your rates. Often, there's room for negotiation, especially if you suggest you are considering switching companies.
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