Acima Credit Blog

You're More Than A Three-Digit Credit Score

Five Financial Habits to Pick Up in 2019

Are you living your best financial life? If you’re like 49% of Americans, you might be feeling concerned, anxious or fearful about your current financial well-being. This is a difficult way to live, so how about pledging to make a few small changes in 2019 to feel better about your financial health?

Check your credit score – Did you know you get one free credit report each year? Take advantage of this and check your credit report once a year to make sure everything is correct. Simply go to AnnualCreditReport.com or call 1-877-322-8228.

Create a budget – Are you tracking your spending? If you don’t have a budget, you probably don’t know where all of your money is going. This is one habit you definitely need to adopt you if want to get control of your finances!

Sign up for auto pay – This may not work for everyone, but if you can manage to keep enough money in your checking or savings account, consider enrolling in auto pay. You can usually save a percentage on your bills by doing this very small thing.

Make smart purchases – Most of us think in order to save money, we need to look for the deals. This isn’t always true! In 2019, make an effort to shop with quality in mind. Sometimes it’s worth it to pay a little more for something that will last, rather than just looking for the lowest priced option.

Pay more than the minimum – If you haven’t paid off your credit cards yet, it’s time to start paying more than the minimum amount due. Even just a little bit extra can mean you pay off your card YEARS sooner than if you paid just the minimum. Seriously.

If you’re planning on making a larger purchase in 2019, consider taking advantage of the No Credit Needed payment option from Acima Credit. We’ll help you buy what you need today and give you 12 months to pay for it – regardless of your credit score. Learn more or find a participating store near you by visiting our website.