Hi everyone I'm Rose Marie Miller here with Shunabu Hendred, a certified

financial planner and author of Investing Issue superpower here to tell us six smart money moves to

kick-start your 2024. Thank you so much for joining me today Shinabu.

Thanks for having me here, Rose.

Absolutely.

So I'm wondering, what was the criteria you use to create these money mows before you get

into them? I wanted to give everyone a fresh look, a fresh start that if you are not on top of your finances,

what is a good place to start?

Because that is one of the biggest questions I get from people is

where do I even begin and that's what I kept in mind coming up with these six different moves

for your money for 2024. All right well let's get into them.

What's number one?

Number one is review and update your budget.

So there is no way around this.

You have to look at those numbers and have transparency.

This is a good time to do it because you have a full year under your belt.

But you want to take a look at where your money is going every single month and a great way to do this is to reflect on last year and just ask yourself is this how much I thought I was spending every month and spending more, am I doing a little bit less?

And then you want to adjust your budget this year to align with your financial goals, and

potentially any lifestyle changes or updates.

If you're introducing a new addition to the family, maybe you're making a big move, you want to incorporate that so you set yourself up for success and you don't blow out your budget and then assuming yourself for it when you knew these expenses were coming.

What are some of the tips you have for creating a budget?

First, starting with how much money you're spending,

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