Yes, Canadians have a couple of things in their daily routine that they would do well to always stick to before the day ends. And one of those things if how to clean up their finances. How to manage it and ensure that everything is in order and ready for the next day. This article will discuss with you some of the proactive steps and moves that you can take every day especially when it comes to money before you end the day. Let’s get to it then.

1. Check out your credit score for free
Well, in as much as having to look at those three intimidating numbers every day can be quite intimidating, it’s also a good practice and habit. This will not only enable you to know where you are at the end of the day but also tell you which accounts you owe and how much. It’s one sure step towards ensuring that everything is accurate there.

2. Create a budget
Drawing up a good budget is also another integral step towards managing your money. You will know exactly what you are spending on, how much you are spending on it, and whether to keep spending on it, cut back, or stop completely. Keep experimenting with different budgets until you find the one that works best for you.

3. Make a little more from side hustles
Unfortunately, you won’t have any lazy day or time with side hustles and ‘passive income’ on the table. On the bright side, you will be making a little more than what your monthly salary provides at the end of each day.

4. Map out your debts
You can only be able to take this step after having a look at your credit report and created a decent budget. Only then will you know who you owe money and how much you owe them. From there, you can create a good debt repayment method that helps you reduce and manage your debts.

5. Get a flexible extra income source
For most people, simply sitting back and waiting for your monthly paycheck to arrive may not be enough. In such cases, you can look for a flexible source where you can make a little extra income. Maybe even one that allows you to work from home.

6. Start building your emergency fund
You should also start looking into how you can build your emergency fund and save more. It’s best that you start incorporating this habit ASAP as you never know what might be waiting for you in the near future. Don’t spend everything the moment you get paid. The future is uncertain, and you may end up facing an abrupt emergency and no cash to deal with it if you didn’t save anything.

7. Dig up extra money
The best place to start is on your current total spending. You can take time and look at some of your expenditures and work out some of the places where you can dig up some extra cash. Maybe cut back on some of your entertainment spending or something like that.

8. Think about retirement
Okay, so, maybe you feel that you are still too young to think about retirement right now. But believe it or not, it’s going to catch up with you sooner or later. Maybe later than sooner. But still, view it as a long-term investment and put it in your budget as well. Start saving now and have an enjoyable old age spending the money you saved.