WEBVTT

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Welcome back to KEYS
by GM Financial.

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I'm Marion, and
each week on KEYS,

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we're bringing you
personal financial tips

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to help you unlock
your financial future.

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Today, we're looking
at seven tips

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to get your finances on
track for the new year

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and keep it that way.

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Number one, start small.

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Small changes stick best.

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Whatever habits you
choose to adopt,

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don't go full throttle
at the starting line.

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Instead, make gradual,
manageable changes.

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The key is to stay positive.

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Number two, enroll
in paperless billing.

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Say goodbye to
clutter by electing

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to go paperless where you can.

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Fewer receipts,
letters, and statements

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in the mail from
retailers or creditors

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means you can stay organized
without the endless paperwork.

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Number three, manage your debt.

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Set a goal to reduce
your debt this year.

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Every little bit helps.

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Look to your credit report
to understand accounts,

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amount owed, and interest rates.

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From there, review your
budget and make a plan.

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Number four, save a little.

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Got coins piling up
in your center console

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or a $5 bill that keeps
getting washed with your jeans?

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Deposit those, along with a
few bucks from each paycheck,

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into a savings account.

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You won't miss the money,
but these micro deposits

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can build up over time into
a vacation or emergency fund.

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Number five, get
current on your bills.

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If you have missed payments,
get current and stay current.

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Consider enrolling in
recurring payments,

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or setting up payment reminders
in my account or the GM

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Financial mobile app.

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Number six, download
a budgeting app.

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Keep an eye on your
budget everywhere

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you go by downloading a personal
finance app to your smartphone.

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We'll have some links to apps
that we like in the description

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below.

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And then number seven,
build credit responsibly.

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Be choosy about
new credit accounts

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and only open them as needed.

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New credit accounts may
impact your credit score.

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So consider carefully
before signing up.

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