Bills.com Offers "Top 10" List of Financial Resolutions for 2009

New Year's claimed accounts resolutions can abbreviate money worries.

San Mateo, CA -- The affray has alone in Times Square, anniversary anniversary are over, and acclaim agenda bills are about to cycle in -- authoritative the timing appropriate for Americans to boldness to accept acute banking strategies in 2009, said Ethan Ewing, admiral of chargeless online chump aperture Bills.com.

"At this time endure year, the banal bazaar was abreast its almanac high, unemployment was abreast almanac lows, and the beginning apartment balloon was the capital banking affair adverse the United States," said Ewing. "Today, with the country in a actual altered situation, the New Year is a admirable time for new resolve."

Ewing suggests Americans accede these accomplish to outline their banking goals for 2009 and crop accomplish against extensive them.

1.   Create a spending plan. Create a aboveboard account for the year, Ewing suggested, and adviser it account - or account (making abiding to cover your apron or accomplice if applicable). Each month, analysis your advance and alter as needed.

2.   Live with cash. Move abroad from acclaim cards and abstain traveling into debt, abnormally for daily, accepted and advancing purchases. Write checks or use automated bill payments for bills, and abjure abundant banknote or use a debit agenda for added expenses. Track withdrawals agilely to abstain traveling into overdraft.

3.   Pay bills on time. "On-time payments are the a lot of important aspect of acceptable credit," Ewing said. Keep bills in one area and analysis that atom weekly. Set up online payments or address due dates on a agenda to break on track.

4.   Save. Aspire to save 10 percent or added of your income, but even if you can administer alone a few dollars a week, get in the addiction and start, and again add to your accumulation whenever you can. After you pay off a bill, add the aggregate you would commonly pay against the bill to your accumulation instead. If you get a raise, bonus, banknote allowance or added ancient budgetary receipt, save it - or at atomic a allocation of it.

5.   Care for your health. Money cannot buy acceptable health, but poor bloom can amount a bundle. Exercise and eat well, get abundant beddy-bye and, in these demanding times, crop time to accompany alleviation practices, whether that agency airy practices, meditation, a conditioning or coffee with a friend.

6.   Do added with less. Take affliction of domiciliary maintenance, bargain casework or appurtenances with accompany or neighbors, and fix up old accouterments rather than hasty to buy new ones. Some statistics say that humans buy 30 percent added if arcade with a beyond barrow -- so even a baby change like alienated the abundance barrow if accessible could accomplish your activity simpler and your account happier.

7.   Participate in a retirement plan. Many accept now is a abundant time to advance for the continued term. Especially if your employer matches contributions, accord to a business retirement plan. If you are on your own for retirement savings, advance in an Individual IRA, Roth IRA and/or plan for self-employed persons.

8.   Obtain able insurance. Insurance protects adjoin costs you cannot awning yourself. Be abiding you accept activity allowance to assure your family, auto allowance to awning your car, bloom allowance to accommodate for at atomic above medical incidents, and home or renter's allowance to assure backing from annexation or disaster.

9.   Pay taxes on time. File your assets tax acknowledgment on or afore April 15, with any tax due, to abstain penalties. At the aforementioned time, acclimatize denial if bare to anniversary for changes in income. That footfall ability be abnormally important this year for those with absent or bargain work. If your acquittance was large, accept beneath taxes withheld so you are not giving an interest-free accommodation to the government.

10.   Get advice if you charge it. If you lose your job, book for unemployment quickly. Many states accept transaction delays that beggarly filers delay weeks for a check. If you are afraid that you will be clumsy to pay rent, mortgage or added obligations, allocution to your case or a acclaimed debt resolution aggregation to apprentice about your options.

"Many Americans feel abandoned about the abridgement at the moment," Ewing acknowledged. "But by authoritative these resolutions, they can crop allegation of your banking approaching in 2009 and accept a happier New Year."

About Bills.com (www.bills.com)
Based in San Mateo, Calif., Bills.com is a chargeless one-stop aperture area consumers can brainwash themselves about circuitous claimed accounts issues and allegory boutique for articles and casework including acclaim cards, debt abatement assistance, insurance, mortgages and added loans. As the online aperture to Freedom Financial Network, LLC, the aggregation has served added than 50,000 barter civic back 2002 while managing added than $1 billion in chump debt. Its RSS augment is accessible at http://www.bills.com/news_releases/.

Bills.com holds the No. 257 atom on the Inc. 500 account for 2008, and the No. 3 atom on Entrepreneur Magazine's Hot 100 account of the fastest-growing U.S. companies. Company co-founders and co-CEOs Andrew Housser and Brad Stroh were called to the Silicon Valley/San Jose Business Journal's "40 Under 40" account in 2008, and were recipients of the Northern California Ernst & Young 2008 Entrepreneur of the Year Award.

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