7 pending on your finances you must resolve

Sit once a year to review the terms of your contracts and services, and put in order and update your economy!

If you started the year off right, fulfilling all the resolutions that you had proposed, you should not leave behind your financial goals. If you forgot, do not worry, there's still time to fix the situation and stabilize your economy. 

You are recommended to take at least one day a year to manage your personal finances. The first thing to do is review your contracts and agreements with banks and service providers; it may seem boring, but necessary. Here are 7 tips for you to doing so:

1. Read the terms of your credit cards

If there is anything you do not understand about the agreements with your card, now is the best time to call the customer service line and ask that you clarify them. Sometimes the answers seem obvious, others not, but try not to stay with any questions and actually you agree to the terms offered.

2. Check the services you pay for

Are you still paying for a gym membership that you never or cable TV service over another company when you are using? You should review your monthly bills, to analyze the services that actually use and remove those who no longer take it.

3. Calls for lower rates

As you review your bills, pick up the phone and ask, politely, for a discount to all your suppliers. Sometimes it takes only minutes to call these companies and can get very good deal. You always have the right to ask for a discount, but if not, do not freak and thanked the representative.

4. Optimize your bank accounts

If you take 10 years at the same bank, paying high fees, but you get bad service or have not won anything with your interests, it's time to look for a new option. Research banks and savings accounts and choose the one institution that offers greater benefits.

5. Examine your investment

Check the balance of your investments to ensure that things are going according to your plans and you're getting what you thought. If you do not invest, is the best time to start doing so.

6. Review your insurance

Check the deductibles on insurance of your car or your house. If you have not yet secured, what do you expect? However if you are retaining the services of many different companies, look nurture you and go for it (which will offer more benefits and better service) for all goods.

7. Reread your contract income

If you are renting a house or an office, make sure you understand perfectly all the terms of the contract. As you do, look for any discounts also. If you always pay on time and are responsible, is likely to make it.