iQuanti: The new year is the right time to make financial moves that will help you achieve your short-term and long-term goals. But if you don't know where to start, we've got you covered. Here are some of the top financial moves to consider making in 2023:

1. Create and stick to a budget

One of the most important financial moves you can make is to create and stick to a realistic budget. This can help you keep track of spending and ensure that you don't overspend or go into debt. You can use a budgeting method like the 50/30/20 rule to help you get started.

2. Consider refinancing your debts

If you have high-interest debts such as credit card balances, personal loans, or student loans, it may be worth exploring options for refinancing these debts at lower interest rates. Doing so can help you save money in the long run and allow you to pay off your debts more quickly.

3. Invest in a retirement savings account

A smart financial move you can make is to start investing in a retirement savings account, such as an IRA or 401(k). Not only will this help ensure that you have enough money to live comfortably once you retire, but it can also provide tax benefits and grow your savings over time.

4. Consider life insurance coverage

If you have dependents or other loved ones who rely on you financially, it's important to invest in adequate life insurance coverage, so they are protected if something unexpected were to happen to you. This financial move can give you peace of mind and help ensure your loved ones are taken care of even if you're no longer around.

5. Make plans for long-term financial goals 

Whether it's saving up for a significant purchase like a car or house, or simply ensuring that you have financial security down the road, setting financial goals can help keep you motivated to make smart financial decisions. By making plans for your financial goals and keeping track of progress along the way, you can better ensure that you achieve them in 2023 and beyond.

What to do if you're low in funds in 2023

If you're struggling to make ends meet in the new year, not to worry. There are many fast cash options that may be at your disposal, including:

• Instant cash advance: With instant cash advances, you can typically receive a few hundred dollars to tide you over until your next payday. You can use an instant cash advance to cover anything from groceries to rent, and repay what you owe in two to four weeks.
• Title loan: Title loans are secured loans that let you use a vehicle you own as collateral. With these loans, the lender will appraise your car and offer you an amount worth 25 to 50% of its value. You can keep driving your vehicle while you pay back a title loan.
• Line of credit: Lines of credit can give you flexible access to funds as needed, up to your specified credit limit. These loans are great for covering unpredictable expenses or providing a financial safety net. You can repay what you owe all at once or over time.

The bottom line

Whether you're looking to improve your financial situation, pay off debt more quickly, or save for the future, there are many steps you can take to make financial moves and get on the right track in 2023. And if you need fast funds, consider an instant cash advance, title loan, or line of credit to get out of a financial pinch. With these tips, you can make smart financial decisions that will put you on a path toward success in the new year and beyond.