Are You Setting Yourself Up for a Great 2019?

If you want to have a great 2019, it’s important to enter the year with positive momentum. This is especially true as you look to find your financial footing as we move into the new year. But you can’t leave your future to chance; there are plenty of things you can do right now to make sure you’re setting yourself up for a terrific 2019. Are you on the right path? Take our quiz to find out.

1 of 8

Have you made a 2019 budget yet?

I will figure it out as I go along.

I’ve made one that accounts for all of my expenses.

I never make a budget and just try to keep my spending in check.

2 of 8

Would you describe your current work situation as stable?

Somewhat.

Not at all.

Yes.

3 of 8

Do you have enough money saved to live for 2-3 months without income?

Nope.

Yup.

I'm working on it.

4 of 8

Do you have a financial adviser?

Never visited one.

I visit one at least once a year.

I keep meaning to make an appointment…

5 of 8

Have you written down your 2019 goals?

They’re all in my head.

Nope.

Of course, so I can better visualize what I want from 2019.

6 of 8

True or false: At the end of every month, you look over all your expenditures to make sure your budget still works.

True.

False.

7 of 8

Have you looked over your monthly 2018 budget to look for ways to spend less in 2019?

Yup. I’m trying to find ways to save a little more every month.

Not yet.

I don’t even know what I spend every month.

8 of 8

Have you been using your credit card’s cashback program to its fullest potential?

I never even looked them up.

I haven’t checked my status in a while.

Yes. I know all of my cashback perks and will continue to put them to use in 2019.

YOUR RESULTS

6-8 Correct: It looks like you’re on the right path to a great 2019. The most important thing, though, is to have a plan of action. Figure out what you want to improve upon and do it. You’re already on your way—you just have to follow through with it.

Looking for more ways to make 2019 a more rewarding year? Discover will automatically match all of the cashback you earn at the end of your first year as a cardmember, and that makes for a great 2019. Terms apply. Learn more at Discover.com.

3-5 Correct: You’ve made some progress towards a great 2019, but a few simple steps can put you on an even firmer footing. Set up an appointment with a financial adviser, take stock of your current monthly expenses, and look for ways to save money in 2019. Also, try to stay on top of all your credit card payments and learn about your card’s cash back perks.

0-2 Correct: There’s still plenty of time to get your finances ready for 2019. Look over your 2018 expenses and see if you can shave any of them down in 2019. And in case of the unexpected, it’s a good idea to store a little money away in case of an emergency. Start small and build throughout the year.