For many people, 2020 has wreaked havoc on many parts of their life. While some may have managed to escape 2020 with their finances barely worse for the wear, others may have had severe or drastic financial implications to deal with as a result of all that’s happened in the last year. But despite this, there are things you can do to try to ensure that you’re on better financial footing in 2021 than you were in 2020.

To help you see how this can be done, here are three tips for getting your finances in better health in the new year. 

Pick One Main Financial Goal

Although you might have many ideas for how you could improve your financial situation, what’s going to be most effective for you is to pick one main financial goal that you can work toward. 

If you’re able to pin down one financial goal that you really want to achieve in the coming year, Carmen Reinicke, a contributor to CNBC.com, shares that you’ll have an easier time accomplishing that goal because you’ll be able to focus all of your financial efforts onto that one thing rather than trying to do too much. Then, if you’re able to get that goal completely accomplished before the end of the year, think about what other goal you can start working toward with the time you have left. 

Take Advantage Of Financial Tools

Properly understanding and managing your finances can play a big role in the health of your finances. So if you don’t feel like you have a solid handle on what’s going on with your money right now, you should try to find some financial tools to help with this.

According to Susannah Snider, a contributor to U.S. News and World Report, if you’re able to find a financial tool that works well with the way that you already think about and interact with your money, it could serve you very well in helping you stick to your goals and improve your financial health in the exact way that you need. So if you’re not already using a financial tool or app, consider checking out your app store to find one to try. 

Be More Mindful With Your Spending

After the year that we all just had, it’s more obvious than ever that people should try to be more mindful with their spending. Especially if you don’t have much to be spending in the first place, you’ll want to make sure that what you’re spending your money on is of the utmost importance. So if you’re still struggling with this idea, Jean Folger, a contributor to Investopedia.com, recommends that you start really determining between “wants” and “needs” in your life. 

If you’re wanting to get your financial life in better health next year, consider using the tips mentioned above to help you accomplish this.