If you’ve been putting off organizing your finances or if you get overwhelmed when you finally sit down to do it, stay calm and let us help you tackle your finances. Don’t let your big goals scare you, remember that big goals are accomplished after a series of small goals are achieved.

Start tackling your finances today with these six easy money moves:

1. Look into debt consolidation

If you’re dealing with various loans and credit cards, consider debt consolidation or refinancing. You can receive a personal loan offer in minutes. Use the loan to pay off your multiple debts and save yourself from the hassle of keeping up with many payments and due dates. Consolidation and refinancing can also significantly reduce your interest rate and can be obtained same-day in many cases.

2. Check your credit score

Haven’t checked your credit in a while? Take a deep breath and get a free copy of your credit report. Once you fully understand your financial situation, you can start to prepare a plan to achieve your financial goals.

3. Automate to save

Set up an automatic payment to transfer an amount into your savings as soon as your paycheck cashes. When the money is automatically put into your savings, you have less temptation to spend it.

4. Earn extra money without extra work

One way to earn extra money right now is to sign up for a rewards site like Ebates. Ebates provides you with cash back when you shop. You even get a gift card for just signing up.

5. Negotiate with your bill providers

We all hate sitting on hold with internet/phone/cable companies, but this temporary bother could save you money immediately. Most major providers will offer some discount if you ask.

6. Create a budget that works for you

Sit down and do it. It’s an integral part of managing finances. Get an idea of the income you have coming in as well as your spending habits before you try to set up a budget. There are many different budgets out there, and your first budget may end up needing to be adjusted later. Keep trying, and you’ll figure out a budget that works for you and your lifestyle.

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