2023 is a great opportunity to take control of your finances and make sure you are prepared for whatever the future holds. Start by getting out of debt using the snowball method, prioritize your credit cards from smallest to highest balance and pay all the minimums. Create a budget to determine how much extra cash you have to pay down your debt and download the FaithFi app for help. Increase your savings to prepare for unexpected bills and start or increase your retirement investing. Improve your skill set by taking web courses and protect yourself from fraud and identity theft by signing up for transaction or account alerts with your bank and credit card issuer.