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How to achieve your financial goals in 2020

WHICH MANY SEE AS AN OPPORTUNITY TO TRY NEW THINGS AND MAKE A CHANGE BO: IT'S A GREAT TIME TO SEE IF YOUR FINANCES ARE ON TRACK NEW AT FOUR WATE 6 ON YOUR SIDE CONSUMER REPORTER DON DARE SHOWS YOU HOW YOU CAN REACH YOUR FINANCIAL GOALS FOR 2020

ONE OF YOUR FIRST GOALS FOR 2020 SHOULD BE AIMED AT ELIMINATING OUTSTANDING DEBT LET'S START WITH CREDIT CARD DEBT IF YOU HAVE RUN UP LARGE BALANCES AND ARE PAYING A LOT IN INTEREST ON THEM, TACKLE THIS HIGH- INTEREST RATE DEBT FIRST ONE OPTION, DEPENDING ON YOUR CIRCUMSTANCES, IS TO APPLY FOR A CREDIT CARD THAT CHARGES 0% INTEREST ON BALANCE TRANSFERS FOR A PERIOD OF TIME BETWEEN SIX AND 18 MONTHS A 0% INTEREST CREDIT CARD GIVES YOU BREATHING ROOM, BUT IT'S CRITICAL THAT YOU CAN PAY OFF THE BALANCE BEFORE THE GRACE PERIOD ENDS

IN 2020, DO ALL YOU CAN TO IMPROVE YOUR CREDIT SCORE YOU WANT YOUR CREDIT SCORE TO BE AS HIGH AS POSSIBLE SO YOU HAVE ACCESS TO MORTGAGE AND THE BEST CREDIT CARD TERMS TO WORK ON THIS GOAL, RESOLVE TO MONITOR YOUR CREDIT ROUTINELY WITH YOUR FREE ANNUAL REPORTS AND SCORES IF YOU HAVE DECENT CREDIT BUT ARE WORKING TO PAY OFF DEBT, CHECK OUT TALLY, AN APP THAT IDENTIFIES THE SMARTEST WAY TO PAY DOWN YOUR DEBTS SET UP A SPENDING PLAN THIS YEAR THAT YOU WON'T ABANDON STEP ONE IS TO STOP THINKING OF IT AS A BUDGET, WHICH CONJURES UP IMAGES OF MAKING DO WITH LESS TAKING CONTROL OF YOUR SPENDING DOESN'T HAVE TO MEAN PAINFULLY SCRIMPING

INSTEAD, THE GOAL SHOULD BE TO LAY OUT A VOLUNTARY PLAN FOR ALL YOUR FINANCIAL RESOURCES SUCH AS A SPENDING PLAN ONE WAY TO SPEND LESS IS TO FIND WAYS TO SAVE FOR EXAMPLE, DO YOU SUBSCRIBE TO AN EXPENSIVE CABLE OR A SATELLITE SERVICE? ASK YOURSELF HOW MANY CHANNELS DO YOU HAVE, AND HOW MANY OF THEM DO YOU WATCH? IF YOU'RE READY — DROP YOUR CABLE OR SATELLITE TV COMPANY IN FAVOR OF CHEAPER STREAMING SERVICES AND YOU HAVE MORE OPTIONS THAN EVER: APPLE TV+ AND DISNEY+, PLUS OLD STANDBYS LIKE NETFLIX AND AMAZON PRIME VIDEO AND OF COURSE, THERE IS FREE OVER-THE-AIR TV VIEWED BY WAY OF AN ANTENNA

DON DARE, WATE, 6 ON YOUR SIDE LORI: IF YOU HAVE A CONSUMER QUESTION FOR DON — SEND HIM AN EMAIL AT D-DARE AT W-A-T-E DOT COM, OR CALL HIS SIX ON YOUR SIDE HOTLINE NUMBER AT 865- 633-5974 BO: RUSSIAN GOVERNMENT HACKERS SUCCESSFULLY HACKING BURISMA THE

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