Money is not always easy to talk about.
"Finances make me really anxious I don't really look at them very often," said Amanda Nelson.
Nelson is like many of us.
Out of sight, out of mind, but experts say this is the perfect time of year to start fresh.
"It's about making things more efficient, about saving money decluttering all of your financial life as well," said Lynnette Khalfani-Cox.
Khalfani-Cox is known as the money coach.
She says Amanda can start with a few simple things that might make a big difference.
First, shred it or scan it.
Many companies offer paperless options for statements.
"Most of us have way too much paperwork lying around the house bank statements documents old receipts check stubs," said Khalfani-Cox.
Then, check your credit report.
Contrary to what you might think it doesn't hurt your score.
"When you check your own credit report its called a soft pull meaning that you have the right as a consumer to check to keep tabs on your credit to make sure there's no erroneous outdated or unverifiable info in there," said Khalfani-Cox.
Starting this year, a new credit score, called Ultrafico, will now let you increase your score by keeping $400 in your bank account and avoid overdraft fees.
Once you've done that, think about paying down your debt, especially credit cards that you might have used during the holidays.
"Now is a good time to think about being really aggressive and proactive about getting rid of your consumer debts," said Khalfani-Cox.
The money coach also recommends signing up for automatic bill pay to cut down on late fees.
"It's kind of like you're watering your financial garden and then if you do it right you'll see a lot more things blooming for you and you'll prosper in a way that will be less stressful and frankly much more beneficial for your wallet as well," said Khalfani-Cox.
Amanda already has a to do list.
"I'm gonna go pull a credit report look at going paperless for my statements cause I hate getting that kind of mail," Nelson said. "I don't know maybe just be more mindful of what I'm spending."
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