_{This post is part of a social shopper marketing insight campaign with Pollinate Media Group® and Payoff, but all my opinions are my own. #pmedia #payoffmindset #whatsyourpayoff http://my-disclosur.es/OBsstV}
A new year is a fresh start. Some of my goals this year are to get healthy and fit, not only physically but fiscally too. I’d like to work on saving more and spending less. It’s so easy to rack up charges on a credit card, and there’s nothing worse than getting an unexpectedly large statement in the mail that you are unable to pay.

We have online bill pay through our bank, and just the other day I decided to schedule all of those important bills that have a set amount, like the mortgage for instance, and our home improvement store credit card that I pay down each month. This helps me out a lot, because these are the bills that I get penalized heavily for when I’m late paying them. Those fees add up!

Pay off credit card balances

What would you do after paying off your credit card bills? Payoff.com can help you achieve your goals. We don’t carry large balances on any credit cards unless we’re taking advantage of a zero percent financing offer, but we still hate having those extra balances hanging over our heads. This year, we plan on taking at least one vacation, working on home improvement projects, and adding to our retirement and education savings accounts.

Payoff.com aims to help customers pay off credit card debt in the best, most safe way possible. My husband is always cautious about sharing personal information on the internet, so it’s very important to make sure you’re doing this on a safe encrypted site.

I recently went through the application process on Payoff.com just to see what it was all about. You must have between $5,000 and $25,000 in credit card debt for this program. Unfortunately, the company does not lend to residents of New Jersey.

I love that there are other areas of the site to help you get a handle on your spending and savings habits. It’s important to get to know yourself before you can get financial matters in order. For more great tips, visit Payoff.com on facebook.

What kind of financial goals to you have in mind for 2015?