Tim Herrera c.2020 The New York Times Company
6 minute read
13 Feb 2020
10:19 am

Three simple things you can do today to improve your finances

Tim Herrera c.2020 The New York Times Company

Stop actively saving your money.

Image: iStock

No, I’m not going to tell you to skip tomorrow’s latte (or whatever minuscule semiregular purchase you make). Sure, you’re welcome to skip it, and if lattes make up a truly consequential portion of your budget, then cutting back would probably help. But for most of us, it’s simply unhelpful advice. Then what does matter when it comes to personal finance? Well, more than skipping the occasional latte, getting a grip on your finances is about knowing where you want to go in the big picture, and knowing what steps will get you there. Let me back my way into a...