Many people make financial resolutions at the start of the year, typically to spend less, save more and pay down existing debt. These are all just baby steps, says financial blogger Adam Levin. The point of such efforts is to create better financial security for oneself, and that will never happen unless you make a sound financial plan that has concrete goals to go after. Chief among them is to build a decent credit portfolio for oneself, since sound credit ultimately affects so many other financial benchmarks. Get started now on your plan, while everybody else is busy ditching the resolutions they never intended to live by in the first place.
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