Quick Actions You Can Do Today That Can Change Your Financial Life Forever. Tweet. Note: This is a post from Adam Baker, founder of Man Vs. Debt. Last week, while I was talking about our new You Vs. Debt class, we touched on the “status quo” of our Upside- Down Nation. We talked about our obsession with the debt- fueled life path and how it’s keeping millions trapped.

But talk is cheap. I’m much more interested in action. And this week, I want to do my part to shatter any excuses or justifications you may have. Below are 2. 4 different actions that can be done this very day.

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Most are really quick (as quick as a few minutes) and others will require a chunk of your evening after the kids go to bed. I took the time to provide 2. For pete’s sake, you can at least do one of them. Can’t you? Sure, there’s little chance all will be viable for your situation.

Some you’ll already have done. I’m asking for one.

Just one. Do it. Action #1: Pull Your Credit Report (1. Simple steps: Visit Annual Credit Report – Visit annualcreditreport. Do not use other scam sites. Follow this tutorial step- by- step – Rather than rehash every detail here, I’ve provided screenshots for each step along the way over on Get Rich Slowly (as a guest post). Click here to see the guide.

Quickly check your report over for errors – Over 2/3 of credit reports have some sort of existing error (many are very minor, but some can be large!). Store a copy of your report in a safe place – You can use your report to reference all sorts of information in the future, including listing every debt you owe, following up with errors, or when applying for different services. Monitor your scores using free tools Credit Karma and Credit Sesame – Both give you a credit bureau specific score you can use to monitor any changes. Credit Karma gives you Trans.

Union’s score and Credit Sesame gives you Experian’s National Equivalency Score.(optional) Check your credit score: – You can take advantage of a free trial of My. FICO, run by Fair Isaac (the company that invented the FICO credit score), to get your score for free.

This step is entirely optional, it’s good to know your score but it isn’t as important as checking your credit report. How this can change your life: When we first pulled Courtney’s credit report, we were saddened to find she was a victim of identity theft. We had better luck with my credit report, however I did discover a $2.

I didn’t even know existed! Fixing errors like these is the fastest way to improve your credit score – many people go years and years without ever pulling their reports.

Additional Resource: How to Get Your Free Credit Report Online: A Step- by- step Guide. Action #2: Employ the “Clean Slate” approach to your clutter (2. Simple steps: Pick a room, area, or desk drawer – Pick a single, specific area. Your closet, bedroom, kitchen, office – or even the top of your desk or a “junk” drawer. Remove everything out of the space – Everything… that’s why it’s called “Clean Slate”.

Move it into another area or room. Go item- by- item – Ask yourself not “Should I get rid of this?” but instead “Does this item add joy, value, or purpose into my life?”…  “Do I really need it?”. If yes, move it back into the room.

If no, put it into one of three piles – Put it either into SELL, DONATE, or RECYCLE piles. After you’re done with each item, sell the SELL pile, donate the DONATE pile, and recycle the RECYCLE pile. Duh. How this can change your life: Clutter slowly sucks away more of our time, energy, and money.

By attacking specific areas where it tends to collect you can reclaim back pieces of these resources. For most people, selling excess stuff is the #1 way to generate extra cash quickly. This process is also addicting and can lead you down a rabbit hole that may just end in an organized and clean living space. Gasp. Additional Resource: The ‘Where to Sell Your Crap’ Flowchart. Action #3: Get 1 paying client (1. Simple steps: Brainstorm a specific need you can fill – Can you cut grass? Shovel snow? Walk dogs?

Provide computer training/support? Tutor? Teach English?

Consult on a topic? Write out three clear benefits to working with you – Pick three BENEFITS of what someone would get out of working with you. BAD: I’ll cut your lawn. GOOD: You’ll have a freshly trimmed, clipping- free yard by the time you get home. Three benefits. Brainstorm 5 people who could use those benefits – 5 people.

Likely whom you already have some relationship with (or know through someone). Quickly list them out. Call the most likely candidate – Pick one that’ll especially need your benefits.

Call them. Explain who you are and list out the three benefits of them hiring you. Then… just ask. Continue down your list until you have 1 client. If the first doesn’t work, try the other 4 – one at a time. How this can change your life: The biggest mistake most people make in making more money is that they do TOO much planning. Your facebook fan page, twitter profile, and even your blog aren’t a tenth of the value of your first paying client. You’ll learn more in this process than you will in years of tweeting. I promise. Additional Resource: Examples from the Field: How to Stand Out.

Action #4: Do something incredibly nice (and free) for your spouse (5- 2. Simple steps: Brainstorm a free gesture or activity – Plan something fun, cook a nicer- than- normal dinner, record a song, write a poem or letter. There are thousands of ideas online at your fingertips.

Base it on what they value/love most. The next time you see your spouse, surprise them. It’s really as easy as that. Use your brain and heart instead of your wallet this time. How this can change your life: All too often, I find myself getting stuck in the “oh I forgot to do something nice for Courtney… let me buy XYZ or get XYZ thing.” The easiest solution is to simply buy something. Quick and painless most times. But gifts and actions of the heart and mind often mean many, many times more.

They are often just as easy, once you take the time to actually start brainstorming. Try it. You may find out that a happy spouse doesn’t always require spending. Additional Resource: 7. Simple Things You Can Do to Brighten Your Spouse’s Day (many free)Action #5: Freeze Your Credit Reports (2. Simple steps: Decide if a freeze is right for you – A “freeze” will restrict new creditors (and identity thieves) from being able access your reports. You can easily lift a freeze (should you want someone to access your reports), which takes anywhere from 1.

Some states have a small cost to place a freeze, others are free. Free reports are given to senior citizens and victims of identity theft in most cases.

Freeze with Trans. Union Online – Click here. Freeze with Experian Online – Click here. Freeze with Equifax Online – Click here. Call customer service if needed – Most of the time, freezing will be just a few click away online.

If you have problems, call – Trans. Union: 1- 8. 88- 9. Experian: 1- 8. 88- 3. Equifax: 1- 8. 00- 6. Turn down any upsells – Unfortunately, customer service may try to sell you on additional services. Just state you would like a “credit report freeze” only.

How this can change your life: A credit report freeze is one of the best ways to lower your exposure to identity theft. Many sources report that the average time spent fixing an identity theft case (by the victim) is over 1.

Need I say more? Additional Resource: How to Freeze Credit Reports Online. Action #6: Draft your first budget (2.

Simple steps: Estimate your income – Round down whenever possible to convenient numbers. If on extremely inconsistent income, start by budgeting based on last month’s income. That’ll never change.

Brainstorm fixed expenses – Brainstorm your fixed, regular expenses. Those bills you pay every month. Round these up to convenient numbers. Don’t worry about being perfect – get as many as you can. Brainstorm irregular expenses – This is the hardest part for most people – and where most budgets fail. Think ahead to any non- regular expenses or bills that are coming up in the next 3.

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