Jim Wang
20.9K posts
Jim Wang
@WalletHacks
Curious about money, entrepreneurship, and self-improvement. Personal finance blogger at https://t.co/bIcCp71B59 & father of four, @Forbes contributor
Join 25k+ money nerds: Katılım Şubat 2014
1.3K Takip Edilen7.3K Takipçiler
It's the time of year where the most viral piece of content I've ever made goes viral again
That tiny spike at the end of the graph is ~9mm more views, just on YouTube
This stupid-ass video I made in an hour has done nearly a billion views on all platforms
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@Experian A10. Know your why - you do these things to ensure your future, for you, your partner, kids, family, etc. Those don't require as much (if any) motivation to pursue. #creditchat
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Q10. How do you stay motivated to maintain good financial habits once the excitement of the New Year fades? #CreditChat
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@Experian A9. It really depends on the situation. If the situation makes the goals unreasonable or irrelevant, we reset/change them just as we would at the start of the year. Otherwise, we tend to just roll with it. #creditchat
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Q9. How do you approach adjusting your financial goals if your situation changes during the year? #CreditChat
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@Experian A8. I've found monthly check-ins with my wife have been great for this. It helps put everyone on the same page but also forces me to know what I'm talking about (and her too), which takes stress out of the nebulous realm and into the concrete. Works for all stress tbh #creditchat
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Q8. What habits or routines help you calm financial stress during this busy season and set a steady foundation for the New Year? #CreditChat
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@BeverlyHarzog @Experian Thank you! It's been a long time coming and we're excited!
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@WalletHacks @Experian I remember that was a huge expense! Congrats!
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Q6. What’s something you want to leave behind this year to improve your financial health next year? #CreditChat
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@Experian A7. I used to use a budgeting tool but once our finances were "stable" we stopped, I found those to be very helpful. Nowadays we track net worth monthly and check in on accounts to make sure everything is OK. #creditchat
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Q7. What tools or resources do you find most helpful for staying on track with your credit or financial goals throughout the year? #CreditChat
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@WalletHacks @Experian I remember learning all that~! Good luck!
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Q5. As we head into the New Year, what financial change are you most motivated to start? #CreditChat
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POV of your cc statements! #CreditChat
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Jim Wang@WalletHacks
@Experian A3. I'm going to review our credit card usage and see whether we're really optimized. I don't like fussing over it during the year but it's good to review everything to make sure you're doing the right thing wrt rewards and cashback. #creditchat
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@Experian A4. Get your three credit reports and make sure they're 100% correct. You can do this weekly so it's essentially on-demand, but January is a good time to double check it's correct. You don't want something important to get derailed because of it. #creditchat
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Q4. What’s the smartest first step someone can take in January to strengthen their credit? #CreditChat
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@Experian A3. I'm going to review our credit card usage and see whether we're really optimized. I don't like fussing over it during the year but it's good to review everything to make sure you're doing the right thing wrt rewards and cashback. #creditchat
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Q3. What’s one credit goal you’re setting for the New Year, and what inspired it? #CreditChat
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@Experian A2. It's important to do the basics (if you aren't), so budgeting and making sure you're spending less than you earn. So many people skip this step and it ends up biting you in the end. #creditchat
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Q2. What simple steps can help you gradually build better money habits and improve your financial position heading into the New Year? #CreditChat
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@Experian A1. Why wait two weeks? You might as well start now and get a two week head start. 🤣 #creditchat
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Q1. Why is it helpful to begin building better money habits now rather than waiting until the New Year? #CreditChat
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Jim Wang retweetledi
Excited for the @Experian #CreditChat tomorrow (Wednesday) at 3pm Eastern! We'll be talking about smart money moves to do in the new year! Join us!
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Wisdom from a wealthy friend who owns a $10+ million house in SoCal:
"When you're young, you want the big house. Now that I have it, it's too much work to maintain. I just want a small apartment now. But for people like us, you have to get it to really understand that"
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