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31 personal finance tips for making a fresh start

Mediafeed Logo By Melanie Lockert of Mediafeed | Slide 2 of 32: Paying off debt can be a common goal for the new year, but the first step is to make a list of all you owe, says Holly Johnson, founder of personal finance blog Club Thrifty.“Create a list of each debt, how much it is, and its current interest rate. Once you have your list completed, you can figure out a plan to pay off your debts — or drastically reduce them — over the next 12 months,” she says.

1. List out your debt

Paying off debt can be a common goal for the new year, but the first step is to make a list of all you owe, says Holly Johnson, founder of personal finance blog Club Thrifty.

“Create a list of each debt, how much it is, and its current interest rate. Once you have your list completed, you can figure out a plan to pay off your debts — or drastically reduce them — over the next 12 months,” she says.

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