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10 Resolutions for a Fruitful Fiscal Year

10 Tips Guaranteed to Improve Your Bottom Line

By Suze Orman

I hate this time of year. No, I am not a humbug. I love the holidays, but what gets me so annoyed are all the prognostications being spewed out by so-called market experts who act like they have a crystal ball showing them everything the Dow and the Fed will and won't do next year.

It is just so ridiculous. No one really has much more than a clue. Even the smartest Wall St. minds are still just making educated guesses. That's the nature of the markets and investing.

But I have some surefire winning financial moves for you. The 10 Tips for 2005 that follow are guaranteed—not guesses, but guaranteed—to improve your bottom line. That's why you won't see one stock or bond recommendation, nor any attempts at clairvoyance into the mind of Alan Greenspan.

The truth is that so much of your financial success is determined by moves that have nothing to do with which stock is hot or cold over the next 12 months. Instead, it's about putting together a sound long-term game plan—one centered around savings strategies and reduced expenditures rather than playing the market—and following it with discipline.

These 10 tips are great ways to get such a plan up and running in 2005:


10 Crucial Money Moves for 2005

These 10 tips are great ways to get such a plan up and running in 2005: more...

Your New Year's Checklist
To keep yourself on track to healthier personal finances, start here by printing out this checklist of important to-dos to stay on top of how you pay your bills.

Start Now!

Suze Orman has been called “a force in the world of personal finance” and a “one-woman financial advice powerhouse” by USA Today. She is the author of four consecutive New York Times bestsellers, including The Road to Wealth. Suze Orman, a Certified Financial Planner Professional®, directed the Suze Orman Financial Group from 1987-1997, served as Vice President of Investments for Prudential Bache Securities from 1983-87, and from 1980-83, was an Account Executive at Merrill Lynch.

Watch Suze every Saturday night on CNBC. Check www.suzeorman.com for TV listings.

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