| Fool, As 2022 comes to a close, it doesn't hurt to think about what your financial goals will be for 2023 and start planning how to reach them. The only draw-back is that personal finance can sometimes be quite time consuming. Sifting through the many options out there to help you manage your money and save more of it can be a headache. But getting these things right can be crucial to achieving your long-term financial goals. If you're not sure where to start, here are four ways to get your finances in order as we head into the new year: - Upgrade to a lucrative cash back card
This expert pick cash back credit card is stacked with hefty cash back rates in several everyday spending categories including U.S. supermarkets. In fact, it offers one of the highest supermarket cash back rates we've found, which is leagues above the regular rate of most cash back cards. On top of its stellar cash back rates, this card features a welcome offer worth hundreds and a lengthy 0% intro APR on both purchases and balance transfers that truly make it one of the most lucrative cash back cards available. - Move your savings to an account with a higher interest rate
Tired of earning next-to-nothing on the money in your savings account? Check out this expert-pick account. This online savings account offers an incredible 3.00% APY -- that's more than 12x the national average. Additional perks include $0 monthly maintenance fee, no monthly balance requirements, and you only need $1 in your account to earn interest, making it a competitive option if you're looking for a new home for your savings. - Ditch interest payments on current credit card balances
Carrying credit card balances can be expensive. If you want to hit pause on your high-interest debt payments, this expert pick balance transfer card could help. This card's 0% intro APR offer allows you to pay no interest on balance transfers for a full 21 months (one of the longest we've seen) while you work to pay your balances off. It's a smart move that could save a significant amount of money. After all, as Warren Buffett once said, "The most important thing to do if you find yourself in a hole is to stop digging." - Compare loan options to find one that fits your unique needs
Personal loans are one of the more convenient and flexible options for borrowing money that also allow you to lock in an interest rate -- which is particularly helpful when rates are on the rise. If you think a personal loan could be right for you, you can compare multiple lenders here to check your eligibility in two minutes or less with absolutely no impact to your credit score. All you need to do is plug in some basic information and you'll see multiple loan options at once so that you can quickly compare them and pick the one you like the most. Meeting your financial goals takes time and dedication, but by taking advantage of one of these offers (or even all four if you feel that they're right for you!) you could be on your way to earning some extra money. Here's to your financial ascent in 2023! P.S. You should know that we are committed to helping you improve your finances. To that end, if we wouldn't recommend a financial product to a close family member, we wouldn't recommend it to you on The Ascent either. | 
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