man achieved new year financial resolution and got rich

Get Rich This Year: New Year Financial Resolutions

A new year has just begun.  Despite all the things happening in the world today, many people still use this time of the year to reflect and set their future goals. While going to the gym and losing weight might not be at the top of everyone’s list, plenty of people are focusing on their New Year financial resolutions instead!

So, if you’re looking for tips on getting rich this year, here are a few baby steps that can set you on a path towards financial freedom! And for financial emergencies, we will explain how a payday loan could help.

The Path to Financial Freedom in a New Year

Financial Resolution 1: Spend Less on Unnecessary Items

What do most wealthy people have in common? They get rich and stay rich because they have learned not to spend money on unnecessary items. That is common wisdom, but why do so many people still fail to do it?

The chances are that it’s because they don’t make a clear definition of what ‘unnecessary’ means to them.

Are you buying food to keep your fridge full? That’s a necessity. Are you paying for expensive iced coffees every morning on your way to work? Well, that might be something you can live without.

Resolving to spend less money on unnecessary purchases can certainly make a big difference in your finances!

Financial Resolution 2: Forego the Upgrade

New TVs, smartphones, cars, and other items are often on most people’s shopping list throughout the year. Just because they release a new model, doesn’t mean that you have to upgrade.

After all, the odds are that your current TV, smartphone, or car is already in good condition and getting the job done. So, why not save the upgrade for when there’s a real need for it, and you’ll save more money in the long run!

Financial Resolution 3: Start A Side Hustle

Getting rich isn’t just about saving money, but it’s also about making more of it. Got a day job already? Good. Keep it, but start something else on the side. The internet offers you loads of opportunities to do this. You can provide a service (like freelance writing), or you could flip items instead.

Buy cheap items at flea markets and garage sales, then flip them online for a profit!

Financial Resolution 4: Start Investing

Once you’ve built the habit of saving money and running a side hustle, you’ll need to think about investing your money. That’s how you get your money to work for you.

Suppose you’re still new to investing. You can start by looking for low-risk investments that offer stable interest payments, and build from there.

Financial Resolution 5: Have A Clear Plan for Financial Emergencies

What’s the one thing that destroys people’s finances? A lack of preparation and planning for financial emergencies. Hospital bills, critical repairs for your home, getting your car fixed, so you can drive to work; all of these can damage your financial health if you don’t have a plan set in place.

One way to prepare for it is to set aside some money each month in an emergency fund. But if that emergency is bigger than what you’ve prepared for, then you can rely on payday loans to get you through it.

payday loan note and cash

What Are Payday Loans?

A payday loan is a financial solution for when you need to borrow money quickly and for a short term. Typically, you can borrow anywhere from $100 to $500 in as little as 30 minutes.

You can use a payday loan for anything you’d like, though people usually use them to pay for emergencies like repairs and medical bills.

What Are the Benefits of Payday Loans?

Several benefits make payday loans an excellent option when you need quick cash. They include:

  • Your credit score doesn’t matter. Whether your credit is good, bad, or even non-existent, you can still apply for and receive a fast payday loan.
  • You don’t have to worry about endless paperwork. All you need is your driver’s license or photo ID, your latest pay stub, and a blank check from an active checking account in your name.
  • You can apply for fast payday loans online or in person.

How Do I Apply for Fast Payday Loans?

The process to apply for a payday loan near me is pretty straightforward. Here’s what you need to do:

    1. Go to and fill up the quick cash online form. Be sure to double-check that all the details you provided are accurate.
    2. A helpful representative from your preferred location will contact you and walk you through the entire application process. They’ll even answer any questions you might have.
    3. You’ll go to a Fast Payday Loans of Kentucky, LLC office where the representative will then see how much of a loan you qualify for. Then, they’ll guide you through the rest of the application process.
    4. Once you finish the process, you’ll get the cash you need. Usually, you’ll be done in just a half-hour!

Getting a Kentucky payday loan from is so quick and easy, you’ll get through your financial emergency in no time. You can then go back to focusing on reaching your New Year financial resolutions of getting rich this year!

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Louis Tully

Louis Tully is a full-time finance writer offering financial expertise to everyday consumers. He understands the core values of finance and used his writing talents to share his own experiences with money to his readers. His articles teach how financial failures can easily become successes by making new habits and creating realistic goals.