How To Improve Your Finances In 2019

There is literally just one month before you are looking at a whole new year. It is safe to assume that you are probably not the only one that is feeling the financial pressure. Maybe you didn’t accrue as much money as you wanted to this year. Maybe you spent more money than anticipated. Whatever the situation is, the end of the year is always stressful and the pressure of the biggest holiday season looming ahead doesn’t make things any easier. However, there is one thing to look forward to. And, that is the fact that the New Year brings a whole new beginning. A chance to make changes and with the following tips, you can improve your finances for the upcoming year.

Open A Commission Free Brokerage

You may have heard a lot of hype around the Robinhood commission free trading app. If you haven’t heard, it’s a new tech start-up that allows you to place an unlimited amount of trades for free. We reviewed Robinhood, but found that Webull is a better option. Webull vs Robinhood is a true battle of the tech start-ups. Both offer free trading.

Review Your Spending

When was the last time that you really took the extra time to sit down and see where your money is going? It doesn’t matter if this is something that you do on a monthly or quarterly basis, it is always important to make it a habit so that you can correct any errors early on before they cause major financial damage. A good way to remember to do this is to set a reminder on your phone and set aside at least thirty minutes of your day to take an honest look of where your hard-earned profits are going. It doesn’t even hurt to keep a monthly or weekly ledger of where your money is being spent. Any time you can cut unnecessary costs, you are going to save yourself a bundle of cash.

Set Savings Goals

Now that you know exactly where your money is going, you are in a position to allocate it towards savings. It doesn’t matter if you are allocating that money towards new tires, a dream vacation, home repairs, or even future gifts, you are contributing to the future and that is exactly where you want to be. However, you do not want to just spend this extra money without caution. You and your spouse need to sit down and come up with some kind of savings goal. The Better Credit Blog says it is not enough to have an emergency fund these days you also need to have a savings account.

A High-Interest Savings Account

Speaking of savings accounts, you will without a doubt have a variety of options available to you, but the high-interest savings account is probably your best option. If you just take a few minutes out of your day to research savings accounts and the options available to you it will only take a few minutes to discover that the high-interest savings account can benefit you in a variety of ways. And, thanks to all the technology available these days, you can easily set up a savings account online.

Get A Copy Of Your Credit Report

Credit score and credit reports can impact your daily life more than you think. You have probably seen all the commercials, but you probably still don’t understand the importance of the credit score or credit report. These very scores tell your lenders just how much of a risk you are. If you are a higher risk, you are going to have to dole out higher premiums. Sure, these systems are closely monitored, but humans monitor them, which means there is always a potential for errors.

These errors could be costing you big. Make sure that you pull your credit score and check it against your reports. Don’t be too surprised if you find charges or overdue rates that don’t connect with your current reports. Getting these marks scratched from your report could save you huge amounts in interest rates.

Learn To Make Extra Money

If you want to get ahead of the financial game, you are simply going to have to learn how to supplement your income. This might mean taking on a part-time job or this might mean putting in more hours in the office. It could even mean evaluating your current worth. There are a number of websites online that will help evaluate what you are worth. This could provide you with the proof and evidence that you need to argue a raise a work. Remember that there are also a number of investment options available out there.


Updated October 15, 2020

At WallStreetSurvivor, we subscribe to dozens stock recommendation and advisory newsletters. There is ONE newsletter that is constantly outperforming all of the others--The Motley Fool Stock Advisor.

TWO of Motley Fool's 2020 Stock Picks Have Already Quadrupled, ONE has tripled, and another TWO Have Already Doubled in just 9 months of of 2020!

We have been tracking ALL of the Motley Fool stock picks since January 2016. That's 5 years and 120 stock picks. As of Friday, October 23, 2020 the Motley Fool's January 2 stock pick (TSLA) is up 388%, their March 19th pick (ZM) is up 313% in just 7 months, and another two have more than doubled. In addition, 9 of their 2019, 9 of their 2018, 10 of their 2017, 9 of their 2016 and 14 of their 2016 picks have also doubled. Most impressively, over the last 5 years that we have been tracking every recommendation, their average stock pick is up 169%. That beats the SP500 by an average of 124%. And that's even accounting for all of this COVID mess that has wreaked havoc on most stocks. BUT, the Fool has done so well because they have quickly identified stocks this year that will perform well in the post-COVID world. THAT is how the Fool consistently does so well--they adapt and constantly pick stocks before everyone else realizes the opportunities.

  • PINS -- October 1, 2020 pick is already up 19%
  • FVRR-- September 3, 2020 pick is already up 36%
  • CrowdStrike (CRWD) -- June 4, 2020 pick is already up 41%
  • Shopify (SHOP) – April 2, 2020 pick and it is already up 196%
  • Zoom Video (ZM) – March 19, 2020 pick and it is already up 313%
  • DexCom (DXCM) picked Feb 20, 2020 right before the market crashed and it is still up 35%
  • Tesla (TSLA) picked January 2, 2020 before the crash and it is up 388%
  • HubSpot (HUBS) picked December 5, 2019 and it is up 105%
  • Netflix (NFLX) picked November 21, 2019 and it is up 56%
  • Trade Desk (TTD) picked November 11, 2019 and up 221%
  • Zoom Video originally picked Oct 3 and it is up 565%
  • SolarEdge (SEDG) picked September 19, 2019 and it is up 216%

Now no one can guarantee that their next picks will be as strong, but our 5 years of experience has been super-profitable. The important thing about the Fool stock picks is you have to buy them the day they are recommended because they usually pop 5-10% in the first 72 hours after the release their recommendation. So to maximize your returns, you MUST buy them the day they are released. During this POST-COVID market we are in, they have been excellent at picking stocks that will excel. The average return of their 2020 stock picks is +68% which beats the market's return of only 12%. You sure don’t want to risk missing out on their next pick.

Normally the Fool service is priced at $199 per year but they are currently offering a NEW SUBSCRIBER DISCOUNT that allows you to get theiir next 24 stock picks for just $99/year. HERE is the LINK to visit their New Subscriber Discount page.

CLICK HERE to get access to all The Motley Fool’s Stock Picks and their next 12 months of picks for just $99 per Year! 



Robinhood was the first brokerage site to NOT charge commissions when they opened in 2013. They just past 10,000,000 accounts and to celebrate they are offering up to $1,000 in free stock when you open a new account.

Here’s the details: You must click on a special promo link to open your new Robinhood account. Then when you fund your account with at least $10, you will receive one stock valued between $5 and $500. Then, you will get a link to share with your friends. Every time one of your friends opens an account, you will receive another free stock valued between $5 and $500. Click here to learn more about this Special Robinhood offer.

Claim your free stock NOW (before it’s too late)

Leave a Reply

Your email address will not be published. Required fields are marked *