Seven steps to financial fitness
‘If you’re like many Americans, slimming down, shaping up, or eliminating bad habits may top your New Year’s resolution list. But as many planners will tell you, the New Year is also a great opportunity to do things differently with your money. With that in mind, here are seven tips to increase the likelihood of a profitable 2005:
1. Start saving more. Sure, this sounds about as exciting as eating broccoli. But this year, Uncle Sam is sweetening the pot. By saving more for retirement, you can enjoy certain tax benefits. Limits on how much you can set aside in retirement accounts go up this year. For example, eligible taxpayers can now sock away $4,000 a year into individual retirement accounts - up from $3,000 in 2004 - or $4,500 if they’re 50 or older by the end of the year. Keep in mind, there are two types of IRAs - a traditional IRA, which defers taxes, and a Roth, which is taxed immediately but grows tax-free.’
Read more of the Seven steps to financial fitness
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