Your Journey to Financial Fitness Starts Here!

According to the Federal Reserve, the average American has less than $60,000 saved for retirement and is carrying more than $15,000 credit card debt. If you are like most Americans you are concerned about some form of debt and you may be wondering if you will have enough money saved in order to retire with a peace of mind.

Gather your financial documents and review your current status.

Regardless of your age it is not too early or too late to put a personal finance plan in place and most importantly, to take action and implement it. There are several types emergencies that could occur ranging from ill health to a natural disaster and you need to be prepared for such. That is the very reason why there are all types of insurance. If you have some basic plans in place they may reduce the level of discomfort you may experience in the event of a crisis.

The potential "Check List" pertaining to this matter could be so long that it would be very intimidating which may lead you to do nothing. However, we are going to address the various personal finance issues one at a time by providing proven tips, strategies and solutions to these issues. Our mission is to provide you with the resources you need to make, save and keep more of your money.

First, set some financial goals and break down one goal at a time into manageable assignments and/or tasks. Later, you would work on a goal, each task at a time, daily, until you complete it, then move on to the next task until you have met that goal.

Next, get organized by putting your documents/bills in order. Safeguard your important information. Where applicable use automation. You only have to set this up once. Convert your hobby and interest, and/or your skills and talents into a small business that earns residual or other income.

Then, monitor your activities because it is necessary for you to maintain your files and records. Always follow up and stay up to date with the latest events that may affect your finances. If you used Mint.com all you have to do is to log on with any device from anywhere and you will get an instant overview of your finances an any alerts/warnings about your accounts. You can also double click on an item to get the details of  that transaction. Here, you will reap the benefits of automating.

Last, always review your activities and seek ways to improve your situation. This site is like a financial version of the 'Drudge Report' but with instrustions to help you manage your finances. It is designed as a do-it-yourself tool. However, if you need professional help contact our Verified Experts 24 hours a day, 7 days a week at Just Answer.