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Are you in Good Hands?


Everyone decides to make big changes in the New Year. So why all the failure on the follow-through? Most of us aim too high, setting goals that call for far more time and energy than we have. This year, try these promises you can manage in 20 minutes or less.

1. Start auto-saving. The easiest way to build that emergency fund or to save for retirement? Tell your bank to do an automatic transfer every month, from checking to savings.

Did You Know?

92% of Americans who make New Year’s resolutions fail to keep them.

If you bank online, look for a tab on your account that lets you schedule a repeating transfer. If you don’t bank online, just head into your
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local branch for help. Many employers will also allow you to have a set amount from your paycheck deposited directly into a savings account or an employer-sponsored 401(k). The latter puts pre-tax dollars away in a growth vehicle, which is a win-win.

Bonus: Already doing one of the above? Bump up the amount by a few percentage points.

2. Slash a monthly bill. Your overhead can always stand a trim. Spend five minutes on for ways to slash your energy bills.

Then head to to find out if you can lower your cell phone rate. Do you watch all of those premium channels you pay for on your monthly cable bill? If not, you might consider calling your cable provider to have them removed.

Just ask...When a customer asks, a credit card company will lower their annual percentage rate (APR) more than 50% of the time.

3. Reduce your rates. Still working on paying down a credit card? Consider taking advantage of offers for 0% credit card balance transfers (but take transfer fees into consideration). Or call your current credit card company, tell them about the lowest offer you’re receiving, and ask if they can match that rate. If you’re feeling more ambitious, low-interest home equity loans can also help you consolidate your debt and reduce carrying costs.

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Do a retirement reality check. The Allstate Retirement Calculator can help to put things in perspective. And it only takes 10 minutes!