Personal Finance (US)

How to improve your personal finances in 2021

How about improving your financial life before the year ends? Here are 10 simple rules to help you improve your personal finances.

Find out which is the best way to improve your personal finances


The first half of the year is gone, and this may be sad for those people who did not start working on their goals yet. But for you, it just means that you still have six months left to end 2021 in your best financial shape. If you feel like this is something you want to be celebrating during the holiday season, you have come to the right place. To help you be in control of your own financial life, we have gathered below ten simple rules for you to start applying as soon as possible.

How to improve your personal finances: 10 simple rules

1. You are your best product

You are probably not the only one worried about whether you are going to profit or not until the end of the year. The company that you work for also cares about making money, which means your boss values the employees who make the company more valuable.

Why not create a presentation to sell to your boss the amazing employee that you are? Show all the results you have produced and how much you have grown. Then, after he says how impressed he is, that will be your cue to try and negotiate your salary.

2. Don’t settle for less than you deserve

If you are producing good results but are not being provided with the best employee benefits, maybe it is time to search for better job opportunities.

If you have no idea which benefits your company offers, the best thing to do is to go after this information. Benefits such as paid sick leave, educational discounts, and low-cost insurance plans may come in handy, especially if you are a parent and need to look after your children.

3. The right app is the one that does not make you want to buy what you do not need

Declutter your apps. If you tend to use up all your cell phone storage or spend too much time on social media – and, worst, searching for items you like but do not really need, then you are not alone.

But you could be better. Try to delete social media apps and install them instead of an app that can organize your finances and inspire you to save money to achieve your most expensive goals. In turn, you will also feel a lot less anxious.

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4. Get pay by doing something you enjoy

Maybe you heard that famous Mark Twain quote: “Find a job you enjoy doing, and you will never have to work a day in your life”. And maybe you found out that is not entirely true. For a start, tight deadlines and a competitive environment can turn something you love into a very stressful task.

But maybe you could enjoy the best of those both worlds. Finding a part-time job that involves a favorite hobby of yours can be a great idea for when you need that extra money. For instance, if you are keen on photography, animals, some websites would pay you for your photos. Or, who knows, you could pet sit on weekends.

5. Visualization is a very powerful technique

Dreaming is also important to improve your personal finances. Source: UNSPLASH
Dreaming is also important to improve your personal finances. Source: UNSPLASH

Do not just write your desired outcomes on paper. Close your eyes and manifest where you want to be in the future. The secret to achieving your goals is to start now, using the resources available at the moment.

And few things are more powerful than human imagination. If you want to buy something, write down the price, find out what is the best season to get a discount. If you want to travel, write down the itinerary, and learn from other travelers what they did to save money. But also start visualizing yourself there. Print a picture and take it with you so you do not forget what you are aiming at.

6. Be safe in the digital era

Watch out for hackers. Protect your financial information. If governmental institutions suffer from security breaches, imagine what common citizens can go through.

We know that not signing out from web pages and buying with only one click is so much easier, but do not take for granted the importance of complex passwords and of not paying attention to the messages that you send online and the permissions that you give regarding who can see what you publish on social media.

7. Do not let your hobbies get the best of your financial health

You may have not noticed, but the way we used to watch TV changed and you are paying for television channels that you are not really watching since you have subscribed to that streaming service.

And that is a good thing. Nowadays you can save money with television channels while taking your favorite movies and series with you in your pocket.

8. Get financially and physically healthy at the same time

Please, do not tell us you spend money on gym memberships and end up missing those Zumba classes because you slept five more minutes, which turned into 50 minutes.

Maybe the encouragement that you need to wake up in the morning is to get closer to your goals by saving up and investing money, while also taking care of your body and your mind by exercising for free around your neighborhood.

9. Be prepared for the unexpected

Whatever your dream is, you should never start saving or investing money to follow your dreams before having an emergency fund. Its purpose is very clear: a cash reserve built that will enable you to handle difficult and unforeseen situations much better.

10. Be prepared for the expected

Improve your personal finances can guarantee your family´s education. Source: UNSPLASH
Improve your personal finances can guarantee your family´s education. Source: UNSPLASH

If you have children, in addition to building up an emergency fund, it is recommended that you also have a cash reserve for when they go to university.

Also, do not forget you will want to enjoy a good life after you retire. In this sense, not only can you economize towards this reality, but you can also ask the HR department how they can help you accomplish that.

Of course that there are many other simple rules you can apply to your financial routine. And all of them you can check out on our website. Don’t miss out on our new posts!

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About the author  /  Thais Daou

Thais Daou holds an undergraduate degree in Languages — Translating and Interpreting from the São Judas Tadeu University. She has been translating, proofreading, and transcribing financial documents, as well as documents from other fields, for five years. And now she begins a new chapter in her career, writing about financial solutions in a simplified way, with a desire to spread this knowledge, which is so important.

Reviewed by  /  Aline Barbosa

Senior Editor

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