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Get your money in order in 2013

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    Tips from personal finance expert Vera Gibbons

  • Duration 3:02
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-- one of the millions of Americans who resolve to fix your finances in 2013.

Well -- so we have a checklist for you to follow -- joining us now is personal finance expert.

Vera Gibbons high -- morning having a lot of people have these resolutions you -- the number one is to pay down that credit card debt -- -- do that person firm offices high interest at this is that bad debt 50% of us are -- an announcement might.

Make this -- actual year to actually paid out instead you can chip away at -- highest debt.

Work your way down to the lowest interest rates at Purdue -- transfer -- -- some very attractive -- out there right now twelve to eighteen months at 0%.

If you can make a promise to yourself to pay it off in that window and your discipline.

Something to consider right but only if you can do that otherwise you just ten years of the worst trouble that's exactly right -- -- back at those rates afterwards bush credit score right well now systems illustrates the need to credit -- -- 720 or higher to get the best rates.

Their credit has loosened some but if we go with a -- Credit is going to tighten against him no time like -- the present actually booster credits couldn't do this by.

Paying your bills on time paying your debt and not using a -- of your available credit ideally less than 10% of your available credit -- -- Yeah some some of the rules for changing your credit scorer -- tricking.

-- -- refinance.

Right below the right rates are still less it would take advantage of this consolidate your student loans -- sampling and Islamic simple tuition from an emergency.

How much it would save now -- if you stick to your repayment plan your currently on.

Pretend -- refi to -- excellent fourteen link creditworthy Americans have yet to do so so.

Good time to think about that takes some action on that -- -- -- it's time consuming people don't -- -- the paperwork when you actually look at how much you could -- it's amazing what -- -- -- you know pocketing that money -- -- back in your -- well -- the time are right get serious about retirement -- you know at some 42% of Americans have -- crunch the numbers but the rest of -- -- and 60% of us.

Have you know what the numbers here -- it is astounding less than 25000.

Saved excluding the nine of their home.

And 30% have less than a thousand -- synthetic -- members choose to say dot org will be the place to get you for that of course you've got to.

Take advantage of the company match just passed passed away as much as you can and and get answers exactly and out but also keep that emergency fund set aside yes I mean the average unemployment is running about forty weeks right now it's a very long time.

If we go over the fiscal clippings and much worse than that employment benefits an alliance it's really important have -- greatest export.

I'm a living expenses in that emergency fund -- for the typical -- a person -- will be fifteen to 20000 ish married kids.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- But look at our rights and good advice out there yet I'm 2013.

Rating -- -- you're given thank you as always at a.

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