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Financial Goals to Set for Yourself in 2023

2023 is here, and it's time to start thinking about your financial goals for the upcoming year. Setting financial goals is an important part of taking control of your finances and ensuring that you are making the most of your money.

Melanie Laurent

2023 is here, and it's time to start thinking about your financial goals for the upcoming year. Setting financial goals is an important part of taking control of your finances and ensuring that you are making the most of your money. Here are some financial goals to set for yourself in 2023: 

1. Have an emergency fund.

Having an emergency fund is important for any financial plan. It can help you avoid debt and provide a safety net in case of an unexpected expense or emergency. Aim to have at least three to six months of living expenses saved in an emergency fund. 

2. Pay off any high-interest debt.

If you have high-interest debt, such as credit cards or personal loans, now is the time to tackle it. Aim to pay off as much of your debt as possible in 2023. 

3. Increase your retirement savings.

If you don't have a retirement account, now is the time to start one. Aim to set aside 10 to 15 percent of your income for retirement. If you already have a retirement account, aim to increase your contribution rate by at least 1 percent. 

4. Set aside money for leisure activities.

It's important to have fun and enjoy your life, so set aside money for leisure activities such as travel, dining out, or hobbies. Aim to save 10 percent of your income for leisure activities. 

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5. Create a budget.

Creating a budget is a great way to keep track of your spending and ensure that you are living within your means. Aim to create a budget that accounts for all of your expenses, including housing, utilities, transportation, food, entertainment and savings. 

6. Invest in yourself.

Investing in yourself can be one of the best investments you can make. Aim to invest in your education, skills and knowledge. This could include taking classes, attending seminars or investing in a professional mentor. 

7. Live below your means.

Living below your means is one of the best ways to ensure financial success. Aim to spend less than you earn and avoid overspending. 

2023 is right around the corner and it's the perfect time to set financial goals for yourself. By setting financial goals and sticking to them, you can ensure that you are making the most of your money and taking control of your finances. Keeping up to date with the current financing trends will help ensure your success for 2023.

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