Your New Year Financial Roadmap

Sylvia Salguero, Financial Adviser

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The confetti has settled, and the resolutions are set. While gym memberships and healthy eating habits often steal the limelight, the new year is also the perfect time to get your finances shipshape. From conquering debt to saving for dreams, let’s explore a roadmap to navigate your financial journey in 2024.

Organization: control

Before launching into action, take a look at your organization. Gather your financial statements, receipts, and account logins. Use budgeting apps or spreadsheets to create a clear picture of your income and expenses. Knowing where your money goes is the first step to taking control.


Think of your budget as a financial map, charting your course towards your goals. Categorize your spending, identify unnecessary expenses, and allocate funds for priorities like groceries, housing, and debt repayment. Remember, flexibility is key – adjust your budget as needed throughout the year.

Debt Management:

High-interest debt can be a burden on your financial journey. Prioritize paying off credit cards and loans with the highest interest rates. Consider debt consolidation strategies or refinancing options to lower your overall interest expense. Remember, every repayment step, no matter how small, is a victory.

Goal Setting:

Having clear financial goals keeps you motivated. Do you dream of a tropical vacation, a bigger down payment on a house, or a comfortable retirement? Define your goals, set realistic timelines, and break them down into achievable milestones. Track your progress and celebrate every step along the way!


Building an emergency fund and saving for future goals is crucial for financial stability. Automate transfers to savings accounts, even if it’s just a small amount each month. Explore high-yield savings accounts and consider tax-advantaged options like retirement accounts to maximize your savings growth.

Retirement Planning:

No matter your age, it’s never too early to start thinking about retirement. Contribute to your employer-sponsored retirement plan if available, and consider opening an Individual Retirement Account (IRA). Take advantage of catch-up contributions if eligible, and research investment options that align with your risk tolerance and timeline.

Final note:

Your financial journey is a marathon, not a sprint. Be patient, celebrate your wins, and adapt your approach as needed. Seek professional guidance if needed, and don’t be afraid to adjust your goals as your circumstances change. With dedication and these key strategies, you can navigate the year towards a sound and fulfilling financial future.


  • Automate bill payments to avoid late fees and improve your credit score.
  • Review your insurance policies and consider shopping around for better rates.
  • Take advantage of employee benefits like company discounts or financial wellness programs.
  • Educate yourself about personal finance through books, websites, and podcasts.
  • Spring into action and make this year your most financially empowering yet!

For a comprehensive review of your personal situation, always consult with a tax or legal advisor.  Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.

Sylvia Salguero

Financial Adviser

Sylvia Salguero joined Albitz/Miloe in 2001, guiding families, especially women and small businesses with the development of investment strategies, portfolio construction, as well as implementing solutions to help meet their goals and objectives. Sylvia has served on committees of various charitable and religious organizations.

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