Get Ahead in Good Times and in Bad

get aheadEveryone is focused on preserving, protecting, and saving their money, as well as protecting their financial assets during the good times and the bad.  Spending less, earning more, and having a great savings strategy is by far the best way to get ahead.  Sometimes this is easier said then done.  However, many personal finance expert suggest that financial independence can be reached by almost anyone just by following a few simple steps:

Keys to Financial Success

  • Make a financial plan.
  • Pay off any high interest debts.
  • Start saving and investing as soon as you’ve paid off your debt
  • Protect your assets

Here are a few other moves that could help you get ahead:

Seek Out the Tools for Success

The Federal Government has this excellent website where you can research all kinds of relevant data related to your finances. is divided into separate areas of interest including retirement planning, college planning, home ownership, financial planning, responsible credit use, budgeting, and taxes. provides great insight into proper money management and gives you the tools you need to make good choices.

Protect Your Assets and Interests

Most people have their savings and checking accounts in a bank or credit union where it is (mostly) safe.  In addition, it’s important to ensure that your family is properly covered with all types of insurance that are relevant to your situation.  This can include, but is not limited to, disability insurance, life insurance, and health insurance.

Monitor Your Credit

There are plenty of websites and companies that can help you keep track of your credit score including my hands-down fave, Credit Karma.  You can also get a free annual credit report from the three credit reporting agencies at   The three credit reporting agencies include Transunion, Equifax, and Experian. If you are interesting in cleaning up your credit, might be looking for a credit rebuilding program.  Fortunately, there are a number of firms online that can help.

We all know money doesn’t grow on trees, but it can grow if you invest and save wisely.  And it doesn’t take a genius.  It only takes a few simple steps to get ahead and stay ahead for good.

How are you getting ahead?

About Holly

Holly Johnson is a wife, mother of two, and frugal lifestyle enthusiast. She is the co-founder of Club Thrifty and a staff writer at Get Rich Slowly, Frugal Travel Guy, and U.S. News and World Report's "My Money Blog." Holly has been featured in the Wall Street Journal, Kiplinger Personal Finance, Fox Business, and Daily Finance.


  1. I’m at the part where I should be investing, but I am completely confused here. My best bet would be for real estate investing… but I don’t think I can afford that right now.

  2. We have a financial plan and are transitioning into a more predictable work life, while I’m working on outside projects like writing books, speaking and coaching. :)

  3. Just kind of wrote about this! I’m checking more often to see my overall net worth. I’m hoping to use that as a tool to keep me focused more on present day spending. I love credit karma too!

  4. We have so many accounts, tracking our net worth has become a headache. Highly considering using Personal Capital to keep track of our net worth.

  5. A good way to get ahead when times are bad is just to set up the foundation for future success. Those situations have a way of making you trim back spending and costs to what is really important, and if you can keep those principles when times are good again, you’ll have built yourself an excellent foundation!

  6. I recently checked my credit report because of the Target credit card hack. Fortunately my report looked normal and there wasn’t anything suspicious on there. But it does take regular checking to protect yourself.

  7. I enjoy reading an article that will make men and women think. Also, thanks for permitting me to comment!

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