Happy new decade! While it might be cliché, a new year is a perfect time to take stock of our overall health and wealth. It’s important to take some time to reset and reflect on what did or didn’t work in 2019 so you can walk into 2020 feeling more confident. If leveling up your finances is on your resolution list, then you’ve come to the right place. Here are three ways to stay on top of your money stress in 2020:

Master your money

Do you know where your money is going? Using financial apps like Mint or YNAB (You Need A Budget) can help you to see the bigger picture when it comes to your spending habits. Which helps you to improve the bad ones, set goals for saving money or paying down debt.

Improve your financial literacy

Financial literacy is a learned skill that allows you to make informed and effective decisions with your monetary resources, a.k.a understanding money. This knowledge allows you to form better habits and make smarter decisions with how you spend your money. Don’t know where to start? That’s okay. It’s a complicated topic but here are a few resources to help you get started.

For personal finance, I recommend reading Rich Dad, Poor Dad by Robert Kiyosaki
If you are a small business owner, I recommend Profit First by Mike Michalowicz
Bad with Money with Gaby Dunn, Millennial Money with Shanna Compton Game and Mo’ Money with Jessica Moorhouse are great and entertaining podcasts focused on increasing your financial literacy

Seek expert help

You know the saying “if you’re the smartest person in the room, you’re in the wrong room”? Well, there’s some merit to it, especially when it comes to money. Don’t be the smartest person in the room, instead hire a financial expert to help you combat the overwhelming stress of money by creating a clear roadmap to achieving your financial goals.