{"id":245,"date":"2021-12-09T15:30:00","date_gmt":"2021-12-09T15:30:00","guid":{"rendered":"https:\/\/www.affalo.co.uk\/blog-api\/?p=245"},"modified":"2022-08-22T11:07:13","modified_gmt":"2022-08-22T11:07:13","slug":"some-financial-new-years-resolutions-for-you-to-consider","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/","title":{"rendered":"Some financial New Year&#8217;s resolutions for you to consider"},"content":{"rendered":"\n<hr class=\"wp-block-separator is-style-wide\"\/>\n\n\n\n<p>It\u2019s the most wonderful time of the year! <a href=\"https:\/\/www.youtube.com\/watch?v=AN_R4pR1hck\" target=\"_blank\" rel=\"noreferrer noopener\">Or so Andy Williams says<\/a>. As we head into the Christmas period, and you take stock of your life so far, you may be considering your plans for the New Year ahead. Where would you like to be in a year\u2019s time? Here are a few suggestions from Credit-Score as to what New Year&#8217;s resolutions as we ring in the third year of the 2020s.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/#Work_on_your_debt\" >Work on your debt<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/#Register_to_vote\" >Register to vote<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/#Save_save_save\" >Save, save, save!<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/#Consider_investing\" >Consider investing<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/#Reduce_your_costs\" >Reduce your costs<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/#Improve_your_credit_score_with_Credit-Score\" >Improve your credit score with Credit-Score<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/#Set_yourself_a_budget\" >Set yourself a budget<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions.<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Work_on_your_debt\"><\/span>Work on your debt<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In the New Year, why not resolve to take care of your debt once and for all? Perhaps you might want to find out exactly how far you\u2019re in the red, and make financial commitments to get yourself back in the black. If you can, try to avoid taking on any new debt. Showing that you can pay back what you owe is very encouraging to lenders.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Register_to_vote\"><\/span>Register to vote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Registering to vote is quick, free, and easy, and it gets your name on the public record. This means that lenders can verify your personal details much quicker. <a href=\"https:\/\/www.check.co.uk\/blog\/what-do-lenders-look-for-in-a-borrower\" target=\"_blank\" rel=\"noreferrer noopener\">As we\u2019ve discussed before<\/a>, you do not have to go on the Open Register for lenders to find you on the electoral roll, so don\u2019t be afraid to put your name out there!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Save_save_save\"><\/span>Save, save, save!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Do you have a savings account? Perhaps you do &#8211; an instant-access account that you occasionally dip into when you see a pair of shoes you like, or you need to cover the cost of a pricey taxi ride home. In the New Year, look at what other savings products are open to you.<\/p>\n\n\n\n<p>If you are a member of a trade union, you might have the ability to join up with a credit union, whose savings accounts can offer much better interest than high street banks. If you\u2019re not, look around for credit unions in your area.<\/p>\n\n\n\n<p>If you don\u2019t want to join a credit union, there are also many savings options open to you, such as Lifetime ISAs, Premium Bonds and more.<\/p>\n\n\n\n<p>Savings can help you get money together for a deposit, so when the time comes to buy, you\u2019re prepared.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consider_investing\"><\/span>Consider investing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Many financial advisors recommend that people who are looking to invest \u201cinvest little and often\u201d \u2013 by which is meant investing a set amount of money periodically into small investments such as stocks and shares, which then pay dividends later on. This can be a good way to generate passive income which you can then put towards things like buying a home.<\/p>\n\n\n\n<p>However, there are caveats to this. Remember that investment is always capital at risk. While investments can be very rewarding, they can also leave you worse off than you went in. Always, always, always talk to a financial advisor or stockbroker before you decide to invest.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reduce_your_costs\"><\/span>Reduce your costs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It is very patronising when a faceless company tells you to stop eating avocado toast and drinking coffee, and we get that. However, it might be time for you to think about your needs vs. your wants. Are there things you can do without? Are there things you can change?<\/p>\n\n\n\n<p>Consider: Instead of buying a cup of coffee every day, why not get yourself a Thermos flask or reusable coffee cup, buy some decent coffee at the supermarket, and learn to make it yourself? You may find that your foray into being a barista helps you learn to make coffee the way you like it, plus it is likely to be cheaper as the only labour costs will be your own.<\/p>\n\n\n\n<p>You can reduce your grocery bills in much the same way.<\/p>\n\n\n\n<p>There are other costs to consider too \u2013 are there trips you often make by car that might be better made by foot, bike, or public transport? This can help reduce your fuel costs, and as petrol climbs in price, it also reduces demand. This could leave you and other drivers better off!<\/p>\n\n\n\n<p>You may find that a lot of the things you think you need are actually just things you want.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Improve_your_credit_score_with_Credit-Score\"><\/span>Improve your credit score with Credit-Score<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your credit score is an important deciding factor in demonstrating your creditworthiness to lenders. It shows how reliable you are when it comes to borrowing.<\/p>\n\n\n\n<p>It\u2019s Credit-Score&#8217;s goal to help first-time buyers to get their first mortgage. That&#8217;s why we&#8217;ve started Credit-Score Home.<\/p>\n\n\n\n<p>Unlike other credit scores, Credit-Score\u2019s unique 24-Factor Credit Report shows you what you need to be doing to get your credit score on track for a mortgage. In the UK, <a href=\"https:\/\/www.independent.co.uk\/money\/first-time-buyer-rejected-mortgage-credit-score-history-debt-b1971213.html\" target=\"_blank\" rel=\"noreferrer noopener\">up to two-thirds of first-time buyers find themselves rejected<\/a> when they go to take out a mortgage.<\/p>\n\n\n\n<p>The system assesses your credit report and points you towards changes in your financial behaviour that can help build your creditworthiness.<\/p>\n\n\n\n<p>And what\u2019s more, a subscription is cheaper than a takeaway, so consider joining today!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Set_yourself_a_budget\"><\/span>Set yourself a budget<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Budgeting is very easy once you get the hang of it. There\u2019s loads of free software and apps that can do it for you. You can also make a budget in any spreadsheet software, if you know how to use it. What\u2019s key is getting control of your spending and trying to strike a balance between in-coming money and out-going money.<\/p>\n\n\n\n<p>Once you know what money you need for essentials, you can work out how much you want to spend on luxuries, and how much you want to save up. Many people don\u2019t realise how much money they\u2019re burning! A budget can help you set your priorities straight and make you more mindful when you spend.<\/p>\n\n\n\n<p>Just make sure not to be too restrictive \u2013 you deserve to have nice things, and nobody likes a miser. To have a handle on your finances is enough.<\/p>\n\n\n\n<p>If you do one thing this New Year, it\u2019s to make sure that you\u2019re not asleep at the wheel when it comes to your finances. Make sure you adopt healthier financial habits, and you could be one step closer to the good life. And that\u2019s definitely something worth celebrating.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and&nbsp;<a href=\"https:\/\/home.credit-score.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">FREE Credit-Score Home app.<\/a>&nbsp;Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n\n\n\n<p>More focused on your credit rating? Well, get started for free with&nbsp;<a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n\n\n\n<p><strong>From all of us at Credit-Score, we wish you a very happy holidays!<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"As we ring in the New Year, you might be taking stock of your financial health. Here are a few suggestions for New Year&#8217;s resolutions.\n","protected":false},"author":19,"featured_media":5129,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[285],"tags":[737,242,738,620,739,740,741,477,742,743,744,621,523,745,746,747,748,749],"class_list":{"0":"post-245","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-budget","9":"tag-bgt","10":"tag-change-my-spending-habits","11":"tag-creditscore","12":"tag-financial-habits","13":"tag-financial-health","14":"tag-financial-new-years-resolutions","15":"tag-first-time-buyer","16":"tag-happy-new-year","17":"tag-happy-new-year-2022","18":"tag-how-to-set-a-budget","19":"tag-mortgage-score-home","20":"tag-mortgages","21":"tag-new-year","22":"tag-new-years-resolutions","23":"tag-new-years-resolutions-money","24":"tag-new-years-resolutions-money-uk","25":"tag-spending-habits"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2021\/12\/andreas-dress-OUSa9MU4zZc-unsplash-scaled.jpg","author_info":{"display_name":"Robert Edwards","author_link":"https:\/\/www.check.co.uk\/blog\/author\/conor-mullinsaffalo-co-uk\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>New Year&#039;s resolutions: a few ideas to consider | Credit-Score UK<\/title>\n<meta name=\"description\" content=\"As we ring in the New Year, you might be taking stock of your financial health. Here are a few suggestions for New Year&#039;s resolutions.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New Year&#039;s resolutions: a few ideas to consider | Credit-Score UK\" \/>\n<meta property=\"og:description\" content=\"As we ring in the New Year, you might be taking stock of your financial health. Here are a few suggestions for New Year&#039;s resolutions.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/\" \/>\n<meta property=\"og:site_name\" content=\"Check.co.uk - See the problems your credit score hides\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/creditscore.co.uk\" \/>\n<meta property=\"article:published_time\" content=\"2021-12-09T15:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-08-22T11:07:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2021\/12\/andreas-dress-OUSa9MU4zZc-unsplash-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2048\" \/>\n\t<meta property=\"og:image:height\" content=\"2560\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Robert Edwards\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Robert Edwards\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/\"},\"author\":{\"name\":\"Robert Edwards\",\"@id\":\"https:\/\/www.check.co.uk\/blog\/#\/schema\/person\/506e3586a0f8046fbea761167a250683\"},\"headline\":\"Some financial New Year&#8217;s resolutions for you to consider\",\"datePublished\":\"2021-12-09T15:30:00+00:00\",\"dateModified\":\"2022-08-22T11:07:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/\"},\"wordCount\":1181,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2021\/12\/andreas-dress-OUSa9MU4zZc-unsplash-scaled.jpg\",\"keywords\":[\"budget\",\"Budgeting\",\"change my spending habits\",\"credit-score\",\"financial habits\",\"financial health\",\"financial new year&#039;s resolutions\",\"first time buyer\",\"happy new year\",\"happy new year 2022\",\"how to set a budget\",\"Mortgage-Score home\",\"mortgages\",\"new year\",\"new year&#039;s resolutions\",\"new year&#039;s resolutions money\",\"new year&#039;s resolutions money uk\",\"spending habits\"],\"articleSection\":[\"Personal Finance\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/\",\"url\":\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/\",\"name\":\"New Year's resolutions: a few ideas to consider | Credit-Score UK\",\"isPartOf\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/money-matters\/personal-finance\/some-financial-new-years-resolutions-for-you-to-consider\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2021\/12\/andreas-dress-OUSa9MU4zZc-unsplash-scaled.jpg\",\"datePublished\":\"2021-12-09T15:30:00+00:00\",\"dateModified\":\"2022-08-22T11:07:13+00:00\",\"description\":\"As we ring in the New Year, you might be taking stock of your financial health. 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