Make these Smart Money Moves today, and we guarantee you'll have more money in a year. (You're going to be surprised at how simple it is to increase your wealth!)

1. Grab double-digit returns. Pay off (or at least pay down) your credit cards. This step alone could easily make you 15% - 20%. You never quite thought of it that way, did you? If you pay off a $1,000 credit card bill, rather than paying 20% interest, you're saving $200! The fact that this debt is non-deductible is another reason you should get rid of it ASAP.
2. Pay yourself first. When you're last in line, there may be nothing left over at the end of the month. So much for your commitment to starting to save! Put yourself first on the list at bill-paying time through an automatic investment plan with a good money market fund or a savings account with your bank.



We know ... you have lots of bills to pay and it might not seem like you have the money to spare. But we think you'll find it is possible to tuck $25 or $50 away for yourself each month - and that's one of the best investments you'll ever make.

3. Take full advantage of retirement plans at work. Funneling money into your retirement plans will mean a secure and enjoyable lifestyle for you and your family. You can have your employer automatically deduct money from your paycheck (before taxes are taken out) and invest it in a 401(k) or other retirement plan. Compounding is a very powerful tool - especially if your plan is tax-deferred. $50 invested every month at 6% will grow to $8,234 in 10 years. The earlier in the year you start, the better.
4. Do away with the "unnecessary" in your life. Eliminates the clutter from your finances by eliminating: extra credit cards (more than two is too many), credit card insurance, credit life insurance, and multiple IRAs (consolidate your IRAs - the individual custodian fees can kill you!)
5. Start a paper catcher. It's no more sophisticated than marking a shoe box "Tax Receipts." Stash all those receipts for mileage to your volunteer work, tolls, business gifts, etc., in one place. These deductions are an easy - and perfectly legal - way to reduce your tax bill.

Nothing fancy here ... just a few savvy money moves you can make today that will give you immediate results and a fatter wallet in 12 months!

For more ways to increase your wealth, check out these links:

• Jump Start Your Portfolio!
• Our Road Map for a Profitable Year