Your Finances & Credit Reports

First, check out your credit score and set up the monitoring system to keep track of inquiries and possible identity theft at Equifax . The 3- in-1 program will provide you with all the tools you need (and a $20,000 insurance policy) to maintain your good credit standing.

Second, if you don’t already own it, purchase Quicken. This financial tool will not only make tax season a snap, but will show you how you are spending your money (this can prove to be a shock!) and will help you set up a budget so that you can decrease or avoid credit card debt.

To pay your monthly bills painlessly, sign up for the FREE MyCheckFree.com service. You are notified by email that a new invoice has been received and simply have to click on "pay bill" to make your payment.

Next, read the financial books written by David Bach “Start Late, Finish Rich: A No- Fail Plan for Achieving Financial Freedom at Any Age”, and “Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams”. These two books alone can put you on the right track.

Getting a financial advisor is a good idea, but please check around with others as to who they use and their satisfaction level. One of the things I learned the hard way is that some advisors make a lot of money switching your holdings frequently throughout the year so as to make commissions. Ask a lot of questions, and interview the financial gurus in person.

Women, if you are thinking of a career change or just going back into the work force, check out Women for Hire. It is an awesome organization just for women which offers career expos across the country throughout the year. If you have any specific questions about the group, please email my contact, Michelle Atkins.