4 ways to get your finances in order for 2024

Setting financial goals for the new year? These four tips could help you achieve them. ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     ͏ ‌     [the ascent](~/AAQRxQA~/RgRncwt8P0SNaHR0cHM6Ly93d3cuZm9vbC5jb20vdGhlLWFzY2VudC8_bWFpbGluZ19pZD02ODNiNjUxMS1jNDM1LTQxNTItODUzYS05YjljZDFmOTQ5MDMmdT0yMDM3MTYyOTYxJnV0bV9zaXRlPXRoZWFzY2VudCZ1dG1fbWVkaXVtPWNwYyZ1dG1fc291cmNlPXNvVwNzcGNCCmWDfIaQZebyy21SG3RyaXN0cmFtYmFsZHdpbjkyQGdtYWlsLmNvbVgEAAAB-Q~~) Fool, As the year comes to a close, now is a good time to think about what your financial goals are for 2024 and start planning how to reach them. A common theme we hear is that personal finance can sometimes be quite time consuming. Sifting through the many options available to help you manage your money and save more of it can be a headache. But getting these things right can be crucial to achieving your long-term financial goals. If you’re not sure where to start, here are four ways to get your finances in order as we head into the new year: 1. Ditch credit card interest with 0% intro APR into 2025 The average credit card interest rate is over 20%, and some cards have rates above 25%. If you plan to make a big purchase with a credit card in 2024, those rates could wind up costing you if you don’t pay the entire purchase off immediately. But, if you add [this expert pick card](~/AAQRxQA~/RgRncwt8P0T_aHR0cHM6Ly93d3cuZm9vbC5jb20vdGhlLWFzY2VudC9jcmVkaXQtY2FyZHMvbGFuZGluZy9kaXNjb3Zlci1pdC1jYXNoLWJhY2stcmV2aWV3LXYyLWNzci8_dXRtX3NpdGU9dGhlYXNjZW50JnV0bV9jYW1wYWlnbj10YS1jYy1yZW0tc28tZGlzY2ItMTIzMDIwMjMtNS1uYS1uYSZjYW1wYWlnbl9ncm91cD1zb18xMjMwMjAyMyZwdWJsaXNoZXI9c29fMTIzMDIwMjNfbmEmdXRtX21lZGl1bT1jcGMmdXRtX3NvdXJjZT1zbyZsaWQ9OXAxcmM5ajBiOHZyVwNzcGNCCmWDfIaQZebyy21SG3RyaXN0cmFtYmFsZHdpbjkyQGdtYWlsLmNvbVgEAAAB-Q~~) to your wallet, it offers 0% intro APR on new purchases for a whopping 15 months! That means you have over a year to pay off that big purchase, as well as any other new purchases you make, without paying a dime in interest charges. This card also offers hefty cash back rates and a 0% intro APR on balance transfers, all for a no annual fee! [Add it to your wallet today](~/AAQRxQA~/RgRncwt8P0T_aHR0cHM6Ly93d3cuZm9vbC5jb20vdGhlLWFzY2VudC9jcmVkaXQtY2FyZHMvbGFuZGluZy9kaXNjb3Zlci1pdC1jYXNoLWJhY2stcmV2aWV3LXYyLWNzci8_dXRtX3NpdGU9dGhlYXNjZW50JnV0bV9jYW1wYWlnbj10YS1jYy1yZW0tc28tZGlzY2ItMTIzMDIwMjMtNS1uYS1uYSZjYW1wYWlnbl9ncm91cD1zb18xMjMwMjAyMyZwdWJsaXNoZXI9c29fMTIzMDIwMjNfbmEmdXRtX21lZGl1bT1jcGMmdXRtX3NvdXJjZT1zbyZsaWQ9YnZ4dmFpNHQybWg0VwNzcGNCCmWDfIaQZebyy21SG3RyaXN0cmFtYmFsZHdpbjkyQGdtYWlsLmNvbVgEAAAB-Q~~). 2. Move your savings to an account with a higher interest rate Tired of earning next-to-nothing on the money in your savings account? Check out [this expert-pick account](~/AAQRxQA~/RgRncwt8P0TnaHR0cHM6Ly93d3cuZm9vbC5jb20vdGhlLWFzY2VudC9iYW5rcy9sYW5kaW5nL2FtZXgtc2F2aW5ncy8_dXRtX3NpdGU9dGhlYXNjZW50JnV0bV9jYW1wYWlnbj10YS1iYW5rLXJlbS1zby1hbWV4aHlzYXYtMTIzMDIwMjMtNS1uYS1uYSZjYW1wYWlnbl9ncm91cD1zb18xMjMwMjAyMyZwdWJsaXNoZXI9c29fMTIzMDIwMjNfbmEmdXRtX21lZGl1bT1jcGMmdXRtX3NvdXJjZT1zbyZsaWQ9eTBiMDM1ajduaTE3VwNzcGNCCmWDfIaQZebyy21SG3RyaXN0cmFtYmFsZHdpbjkyQGdtYWlsLmNvbVgEAAAB-Q~~). This online savings account offers an incredible 4.35% APY – that’s more than 9x the national average. Additional perks include $0 monthly maintenance fee, no monthly balance requirements, and you only need $1 in your account to earn interest, making it a competitive option if you’re looking for [a new home for your savings](~/AAQRxQA~/RgRncwt8P0TnaHR0cHM6Ly93d3cuZm9vbC5jb20vdGhlLWFzY2VudC9iYW5rcy9sYW5kaW5nL2FtZXgtc2F2aW5ncy8_dXRtX3NpdGU9dGhlYXNjZW50JnV0bV9jYW1wYWlnbj10YS1iYW5rLXJlbS1zby1hbWV4aHlzYXYtMTIzMDIwMjMtNS1uYS1uYSZjYW1wYWlnbl9ncm91cD1zb18xMjMwMjAyMyZwdWJsaXNoZXI9c29fMTIzMDIwMjNfbmEmdXRtX21lZGl1bT1jcGMmdXRtX3NvdXJjZT1zbyZsaWQ9NzA2YXJ2a2t3M2pkVwNzcGNCCmWDfIaQZebyy21SG3RyaXN0cmFtYmFsZHdpbjkyQGdtYWlsLmNvbVgEAAAB-Q~~). 3. Stop overpaying for car insurance Car insurance prices have increased more than 19% in the last 12 months. And if you’re just sticking with your current policy, you could be leaving hundreds of dollars on the table. The good news is that you could unlock lower rates on comprehensive protection that meets your needs, [simply by shopping around](~/AAQRxQA~/RgRncwt8P0T8aHR0cHM6Ly93d3cuZm9vbC5jb20vdGhlLWFzY2VudC9pbnN1cmFuY2UvYXV0by9sYW5kaW5nL3NhdmUtb24tY2FyLWluc3VyYW5jZS8_dXRtX3NpdGU9dGhlYXNjZW50JnV0bV9jYW1wYWlnbj10YS1pbnNjYXItcmVtLXNvLXF1aW5zdHJlZXQtMTIzMDIwMjMtNS1uYS1uYSZjYW1wYWlnbl9ncm91cD1zb18xMjMwMjAyMyZwdWJsaXNoZXI9c29fMTIzMDIwMjNfbmEmdXRtX21lZGl1bT1jcGMmdXRtX3NvdXJjZT1zbyZsaWQ9ZjlpZ2RnNGVsZDkzVwNzcGNCCmWDfIaQZebyy21SG3RyaXN0cmFtYmFsZHdpbjkyQGdtYWlsLmNvbVgEAAAB-Q~~). And the best part? It only takes a few minutes to get new quotes! [Just answer a few questions](~/AAQRxQA~/RgRncwt8P0T8aHR0cHM6Ly93d3cuZm9vbC5jb20vdGhlLWFzY2VudC9pbnN1cmFuY2UvYXV0by9sYW5kaW5nL3NhdmUtb24tY2FyLWluc3VyYW5jZS8_dXRtX3NpdGU9dGhlYXNjZW50JnV0bV9jYW1wYWlnbj10YS1pbnNjYXItcmVtLXNvLXF1aW5zdHJlZXQtMTIzMDIwMjMtNS1uYS1uYSZjYW1wYWlnbl9ncm91cD1zb18xMjMwMjAyMyZwdWJsaXNoZXI9c29fMTIzMDIwMjNfbmEmdXRtX21lZGl1bT1jcGMmdXRtX3NvdXJjZT1zbyZsaWQ9bXBjcjEwbTk5d2kxVwNzcGNCCmWDfIaQZebyy21SG3RyaXN0cmFtYmFsZHdpbjkyQGdtYWlsLmNvbVgEAAAB-Q~~) and we’ll do the rest as we've done the time-consuming research for you – with a focus on price, claims handling, and customer service, we've chosen the best types of insurance for drivers in all different circumstances. [Get new quotes and save on your car insurance now](~/AAQRxQA~/RgRncwt8P0T8aHR0cHM6Ly93d3cuZm9vbC5jb20vdGhlLWFzY2VudC9pbnN1cmFuY2UvYXV0by9sYW5kaW5nL3NhdmUtb24tY2FyLWluc3VyYW5jZS8_dXRtX3NpdGU9dGhlYXNjZW50JnV0bV9jYW1wYWlnbj10YS1pbnNjYXItcmVtLXNvLXF1aW5zdHJlZXQtMTIzMDIwMjMtNS1uYS1uYSZjYW1wYWlnbl9ncm91cD1zb18xMjMwMjAyMyZwdWJsaXNoZXI9c29fMTIzMDIwMjNfbmEmdXRtX21lZGl1bT1jcGMmdXRtX3NvdXJjZT1zbyZsaWQ9cjUycjgzdnR0bzV6VwNzcGNCCmWDfIaQZebyy21SG3RyaXN0cmFtYmFsZHdpbjkyQGdtYWlsLmNvbVgEAAAB-Q~~). 4. 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[This brokerage](~/AAQRxQA~/RgRncwt8P0TpaHR0cHM6Ly93d3cuZm9vbC5jb20vdGhlLWFzY2VudC9idXlpbmctc3RvY2tzL2ZpZGVsaXR5LXJldmlldy8_dXRtX3NpdGU9dGhlYXNjZW50JnV0bV9jYW1wYWlnbj10YS1icm9rLXJlbS1zby1maWRlbGl0eS0xMjMwMjAyMy01LW5hLW5hJmNhbXBhaWduX2dyb3VwPXNvXzEyMzAyMDIzJnB1Ymxpc2hlcj1zb18xMjMwMjAyM19uYSZ1dG1fbWVkaXVtPWNwYyZ1dG1fc291cmNlPXNvJmxpZD1jcWMxdHI3MTFtNmlXA3NwY0IKZYN8hpBl5vLLbVIbdHJpc3RyYW1iYWxkd2luOTJAZ21haWwuY29tWAQAAAH5) gets top marks for doing pretty much everything well as a stock trading platform, and bonus points for its top-tier research offerings and face-to-face customer support options. What’s not to love? 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Bonus tip: If travel is on your 2024 to-do list, use this card to secure over $1,500 in travel value This [expert pick travel card](~/AAQRxQA~/RgRncwt8P0T5aHR0cHM6Ly93d3cuZm9vbC5jb20vdGhlLWFzY2VudC9jcmVkaXQtY2FyZHMvbGFuZGluZy9jYXBpdGFsLW9uZS12ZW50dXJlLXJld2FyZHMvP3V0bV9zaXRlPXRoZWFzY2VudCZ1dG1fY2FtcGFpZ249dGEtY2MtcmVtLXNvLXZlbnR1cmUtMTIzMDIwMjMtNS1uYS1uYSZjYW1wYWlnbl9ncm91cD1zb18xMjMwMjAyMyZwdWJsaXNoZXI9c29fMTIzMDIwMjNfbmEmdXRtX21lZGl1bT1jcGMmdXRtX3NvdXJjZT1zbyZsaWQ9NW9yYWFmaWUza2c3VwNzcGNCCmWDfIaQZebyy21SG3RyaXN0cmFtYmFsZHdpbjkyQGdtYWlsLmNvbVgEAAAB-Q~~) is hard to beat if you want to earn rewards on your travel or go on more luxurious trips. It has a high-value welcome offer worth $750 as well as a competitive rewards rate on purchases. In fact, with its [rich feature set](~/AAQRxQA~/RgRncwt8P0T5aHR0cHM6Ly93d3cuZm9vbC5jb20vdGhlLWFzY2VudC9jcmVkaXQtY2FyZHMvbGFuZGluZy9jYXBpdGFsLW9uZS12ZW50dXJlLXJld2FyZHMvP3V0bV9zaXRlPXRoZWFzY2VudCZ1dG1fY2FtcGFpZ249dGEtY2MtcmVtLXNvLXZlbnR1cmUtMTIzMDIwMjMtNS1uYS1uYSZjYW1wYWlnbl9ncm91cD1zb18xMjMwMjAyMyZwdWJsaXNoZXI9c29fMTIzMDIwMjNfbmEmdXRtX21lZGl1bT1jcGMmdXRtX3NvdXJjZT1zbyZsaWQ9b3VjdGZuZ3VkNHpuVwNzcGNCCmWDfIaQZebyy21SG3RyaXN0cmFtYmFsZHdpbjkyQGdtYWlsLmNvbVgEAAAB-Q~~), our experts have calculated that it's possible to secure up to $1,542 in value on travel in just your first year using it. 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To that end, if we wouldn’t recommend a financial product to a close family member, we wouldn’t recommend it to you on The Ascent either. How did you like this email? [Positive](~/AAQRxQA~/RgRncwt8P0SaaHR0cHM6Ly93d3cuZm9vbC5jb20vbW1zL21hcmsvc2EtcG9zdC1zdXJ2ZXk_bGlkPWRscm8xN243ZnJyeiZvcD0xMTE4NSZ1PTIwMzcxNjI5NjEmbWFpbGluZ19pZD02ODNiNjUxMS1jNDM1LTQxNTItODUzYS05YjljZDFmOTQ5MDMmbWFpbGluZ19uYW1lPVZhcmlhbnQgMVcDc3BjQgplg3yGkGXm8sttUht0cmlzdHJhbWJhbGR3aW45MkBnbWFpbC5jb21YBAAAAfk~) [Negative](~/AAQRxQA~/RgRncwt8P0SsaHR0cHM6Ly93d3cuZm9vbC5jb20vdmlwL2ludmVzdG9yLWFsZXJ0L3NvLWVtYWlsLXN1cnZleS1mcm93bi8_bGlkPXVrdzlndDBqOXY2NyZvcD0xMTE4MyZ1PTIwMzcxNjI5NjEmbWFpbGluZ19pZD02ODNiNjUxMS1jNDM1LTQxNTItODUzYS05YjljZDFmOTQ5MDMmbWFpbGluZ19uYW1lPVZhcmlhbnQgMVcDc3BjQgplg3yGkGXm8sttUht0cmlzdHJhbWJhbGR3aW45MkBnbWFpbC5jb21YBAAAAfk~) The Ascent is reader-supported: we may earn a commission from offers we mention here. It's how we make money. 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