1. Consider refinancing your mortgage.
    Interest rates are starting to rise. Talk to a mortgage officer to determine if refinancing would be a wise move for you. You could save $100 or more a month!
  2. Increase your contribution to your retirement plan.
    The start of a new year is a great time to raise your contribution to your retirement plan. A 2% increase on an annual salary of $100,000 adds an extra $2,000 to your golden years account. A company match takes that figure even higher. Don’t have a retirement plan? Talk to a financial advisor to get one started.
  3. Set up a monthly automatic deposit from your checking to your savings account.
    The old adage of putting 10% of your salary into savings is still a great way to be prepared for life’s unexpected expenses. Moving even $100 a month to savings is a good starting point.
  4. Refinance your auto loan.
    You may be pleasantly surprised when you check with your financial institution about refinancing your current auto loan.
  5. Create a budget you will stick with throughout the year.
    The easiest way to create a budget is to analyze your expenses for the previous year to look for areas to cut back. Then find a digital tool to help you create a budget you’ll actually stick to in 2017.