They’re easy to follow, help you save, invest, and could make managing your money stress-free.

1. Build a Simple Budget

• Track how much money you earn and spend.
• Cut back on things you don’t really need (yes, those random snacks add up!).
• Use a budgeting app to make it easy—just check in once a week.
• Goal: Spend less than you make and invest what you can. 

2. Learn How to Reduce Taxes

• This might sound boring, but what if you could pay less taxes?
• Look for ways to pay less taxes or get a bigger refund.
• Contribute to Roth and Traditional IRA accounts.
• More tools coming soon from Beanstox to help you optimize your taxes easily!

3. Set Up Automated Investing (The “Set-It-and-Forget-It” Goal)

• Sign up for automated investing—10 minutes to get started.
• Decide how much to invest (start with as little as $20 but grow it over time).
• Beanstox will invest your money for you, so you can relax.
• It’s like investing for your future while you focus on other stuff.

Start Small, Win Big

Building your budget, reducing taxes, and automating your investments are small steps that could make a huge difference over time.

Set it up now, stick to it, and let your money work for you this coming year!