The financial goals you can accomplish in the final 3 months of 2019

1. Set up autp - savings

Virtually every financial expert out there recommends automating your savings and investments.That means scheduling transfers of money from your checking account to your savings account each week or month. 

Automating your finances is “the one step that virtually guarantees that you won’t fail financially,” writes wealth manager David Bach in “The Automatic Millionaire.” “You’ll never be tempted to skimp on savings because you won’t even see the money going directly from your paycheck to your savings accounts.”

Doing so, whether through your bank or a financial app, It will takes about five minutes. 

2. Cut back one category of spending

What are you wasting money on? It might be an inflated cable bill, monthly subscriptions you forgot about or maybe you’re spending way too much at restaurants and bars.
Take some time before the end of the year to audit your finances and find out where your problem areas are. One way to do this: Rank your nonessential expenses according to how much you value them. Then try to cut back on the categories that make up the bottom of that ranking for the next 3 months and see how much money you save.
You can also institute some “no spend” rules for your budget for the next few months or finally cancel any recurring subscriptions or memberships that you don’t take full advantage of.
Track your spending to see the full results at the end of the year and consider diverting your savings into a “sinking” fund for future expenses.

3. Make a plan for 2020

The new year will be here before you know it. Now is a good time to take stock of your financial year in full and see where there’s room for improvement.
Maybe you want to get your credit card debt under control. Whatever is top of mind for you, take the time to plan how you will approach it in the coming year. While 2020 might be 3 months away, no one says you can’t get a head start on your new year goals now.