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2024 money goals, house hunting, and office holiday parties

December 18, 2023Subscribe Read in browser


SKIMM MONEY

Skimm’d while brushing up on the work phrases that defined 2023

 

Women own less, save less, carry more debt, and are less financially literate
than men. That changes now.

 

FOLLOW THE MONEY

How the news affects your finances.


HOW TO SET A $$$ RESOLUTION YOU CAN ACTUALLY KEEP

New year, delulu money goals? There’s something about a new year that just
inspires you to think big about your money. (And we love to see it.) But the key
to setting a $$$ resolution you won’t ditch by February? Skip the wishful
thinking, and set some concrete and achievable (read: realistic) goals. Whether
you want to pay off your student loan debt, fund your dream vacay, or buy a
home, here's how to make sure you and your 2024 money goals get a Hallmark movie
happy ending.

Your move:

 * Think about your why. Example: Saving money is a popular resolution. To make
   it stick, think about why you want to save money. Do you want to feel more
   secure, less stressed, or have more flexibility? Write it down, create a
   vision board (more on this in 5-Minute Money Tip below), and make it real. 

 * Start small. You’re never going to eat out again, right? Wrong. Make changes
   to your spending habits that are actually realistic for your lifestyle.
   Think: Only ordering takeout once a week, and then putting that extra $100
   you’d normally spend on Grubhub into your high-yield savings account instead.

 * Change your IG feed. Because, spoiler alert, scrolling through social media
   can lead to overspending. Mute any accounts that tempt you to take out your
   credit card (you know the ones). Also, consider following accounts that give
   smart, money-saving tips so you can stay informed and motivated.

Related Stories:

 * 9 Financial New Year’s Resolutions and How to Achieve Them

 * 3 Financial Resolutions Worth Committing to for 2024 

 * These Are Women’s Top 3 Financial Goals for 2024

 

FOR THE GROUP CHAT

The money stories everyone’s talking about.

MORTGAGE RATES ARE FINALLY BELOW 7%…

Does this mean it’s time to start house hunting?

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IF YOU’RE NOT CONTRIBUTING TO YOUR 401(K)...

You could be missing out on half a million dollars.

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NEGATIVE STEREOTYPES, MISGENDERING, AND INAPPROPRIATE COMMENTS…

60% of gender non-conforming employees say they’ve experienced negative
interactions in the workplace, according to a new report.  

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ANOTHER BENEFIT OF A HIGH-YIELD SAVINGS ACCOUNT? 

Beating inflation.

 

ASKED AND ANSWERED

Together with

Get answers straight from the finance pros.


Q: HOW CAN YOU SET YOURSELF UP FOR FINANCIAL SUCCESS IN THE NEW YEAR?

Mary Hines Droesch: 45% of Americans cited saving money as their main financial
goal for 2024 in our latest survey. If that’s your primary to-do for the year
ahead, consider setting up automatic transfers from your checking account to
your savings account. That way, you can save without having to think — or stress
— about it. You can start small with a recurring transfer of a few dollars each
week, or divert a portion of each paycheck directly to your savings to pay your
future self first. Either way, you’re sparing your current self the extra step
of manually adding funds on a regular basis.


MARY HINES DROESCH

Head of Consumer and Small Business Products at Bank of America. Her answer has
been edited for length and clarity. Psst…head here for more modern money tips.

 

MARKET UPDATE

The Wall Street trends to know this week.

Section copy TK Monday Dec 18.

 

THESKIMM BETA

The holidays are here, and debt isn’t on our wishlist. Check out spending
stories from our community and their biggest advice when it comes to good money
habits. Plus, practical tools to improve your financial health.

Read more

 

5-MINUTE MONEY TIP

One act of financial self-care you can do in five minutes.


BUILD A FINANCIAL VISION BOARD.

If you see it, you can save it. So make your goal concrete. First, write it
down. Think: I will pay off my $7,000 credit card balance, or I will save up to
take a trip to Italy this summer. Then, gather pictures and inspirational quotes
to make a vision board. Go digital with Canva or Pinterest or old-school with a
poster board and magazine cutouts. Pro tip: Put it somewhere you can see — by
your desk or as your laptop wallpaper — to stay motivated.

 

You’re making money moves and we want to celebrate them with you. If you scored
a raise, saved up for a big purchase, or reached another money goal, tell us
about it here.

 

Forward this to a friend. Click here.

 

Have a money question you want us to answer? Email us at money@theskimm.com.

 

Skimm'd by: Anna Davies, Dae Cason, Jordan Mamone, Sara Tardiff, AJ Cohen, and
Megan Beauchamp

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Design: theSkimm | Photos: LumiNola via iStock, Brand Partners, theSkimm,
recep-bg via iStock

Subject Line: “Grown Woman” by Beyoncé

 

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