I know I am a few days late, but here are a few of my 2013 Financial Resolutions
1. Improve the cash flow on my rental property.
Last year was the third year of running a rental property, and I made a bit more money than in the previous years. Generally, I have been happy to have low maintenance tenants even with the trade-off of making a bit less money. However, now I do feel a bit more comfortable as a landlord and I think I can get even better at the job.
2. Spend less money on silly things.
I don’ t think I am a real wasteful person, but I would like to really dedicate myself to getting maximum return on investment from every dollar that passes through my greasy palms. However, the one corollary to this is that I will not do this to the detriment of my relationships with friends and family.
3. Sign up for two or three beneficial credit cards.
I would ideally like to pad my balance with Chase Ultimate Rewards program, and figure out a way to sign up for a card or two that will help me do that. I also have my eyes on Chase’s Hyatt Card and US Bank’s Club Carlson Card. I also want to take advantage of any good balance transfer offers to pay down some student loans through arbitrage plays.
4. Get better at my job.
I have a few jobs: teacher, college application tutor, and blogger. I would like to get better at all of these. Most importantly on the later two I would like to get more customers and get more readers!
5. Read a chapter a book a day.
I find myself happiest when I am learning but I also tend to waste time constantly refreshing news websites. Hopefully this year I can devote myself to more enriching reading in the form of books.
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[...] As a part of my general attempt to get all of my spending under serious discipline this year (not that I had a major problem in overspending but I want to get truly lean and mean for this year), I recently began taking a look at my credit card strategy for 2013. Being away from the site for the past week or so was a big impetus to give a lot of my assumptions a second thought. Long ago I had put together a spreadsheet for my credit cards, and it included the benefits, yearly fees, and due dates for each of the cards. I noticed that I had a pretty high number for the total annual fees for all of my cards. [...]