The recent rise in consumer sentiment is a strong sign of more confidence in a pending economic recovery in the new year. Much of this optimism about an improving U.S. economy arises from increased hope that the pandemic is losing its power to dominate the news cycle.   

Although the long-term economic outlook for the coming year is favorable, personal finances remain at a standstill. Millions of Americans still struggle with a high debt load, a situation aggravated by the pandemic which forced those stripped away from their jobs to depend on their credit cards to compensate for their lost paychecks.     

But, rather than wait for the tide of misfortune experienced in 2020 to change, rather than hold out for the economy to recover, there are a few practical things you can do right now to improve your personal finances: 

Only Write One Check a Month   

Harrison Funding, which offers consolidated loans, makes it possible for you to simplify your monthly expenses by simply writing one check a month.  

By getting a consolidated loan, you can say goodbye to all your multiple monthly credit card bills. A consolidated loan, a fixed-rate loan, will leave you with a single bill each month to handle the lender’s invoice. 

Repaying a consolidated loan is easier than paying your credit cards for three primary reasons: 

You’re now paying only one bill every month instead of several bills a month.  

You’re now paying a lower interest rate because you no longer need to catch up on past due balances.  

You’re now paying an amount you can afford because you’ve calculated your monthly income and expenses and arrived at a fair repayment schedule that won’t throw your budget out of balance. 

Find Work You Love   

The reason why making money is difficult is simple: You’re doing work you find tedious, boring, and aggravating for a paycheck. You’re not following your own dreams but someone else’s dream.  

Since the work you do day in and day out, week after week, month after month, year after year, does not fulfill you, does not engage your interest, does not fire up your enthusiasm, it fouls your mood, wrecks your hopes, and drains your energy.  

If, somehow, you could find work that you love to do, then suddenly everything would change for the better. You’ll see obstacles as challenges and you’ll see your lack of knowledge and skills as an invitation to learn how to do things better. Better still, you’ll no longer struggle to assume a positive attitude. It will show up naturally.    

Since you’ll now be infusing everything you do with positive emotions, you’ll start to make more money, whether you work for yourself or someone else.  

When you work for yourself, opportunities to reap abundance will appear. You’ll come up with ways to grow your list of clients. You’ll devise a business system to increase the volume of customers.  And when you work for someone else–because your talents match their opportunities–you’ll attract promotions and pay raises.  

Invest in Yourself   

Investing is the fastest way to build your personal wealth.  

Unfortunately, investments are not as simple as sending money to a brokerage and receiving a high return on your investment. You need to know exactly what to do to make money. If you’re just winging it, you’re more likely to lose money.  

Still, there is one safe investment, one that you can trust with your money and throw your enthusiasm behind — and that is to invest in yourself. It’s the safest way to improve your financial health. 

There are two ways of investing in yourself: one, buying a business course that promises to take you to the next level; or two, learning everything on your own. 

Although buying a course sounds good in principle, a shortcut to success, it doesn’t always work out. At times, you’ll pay more money than you make. Now and then, you won’t get the information you need to turn a profit. Every so often, you won’t have enough time, energy or interest to give the course the attention it deserves.  

Overall, it may be said that 2021 will reverse some of the economic trends of this year, but rather than wait for change, it’s better to make it happen. 

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