Let's start with reducing your current debt
Refinance High Interest Student Loans
You may not think that this is business related but trust me it is. Your education is your largest professional investment. Whether you're a doctor who has invested 11 or more years in medical education and training and owe $200,000 in student loans or the average American with $30,000 in student loan debt, reducing your monthly debt payments can reduce your stress and anxiety and also free up funds to be used in other areas of your personal budget.
Refinance with Earnest
When I graduated from medical residency my loans were with the government like most students (Navient or Sallie Mae) and the interest was in the double digits!
Refinancing to a private lender allowed me to not only renegotiate a much lower interest rate but I was also able to choose a fixed versus variable rate. I currently have a low interest fixed rate, however, in the beginning I chose a variable interest rate which was beneficial when the market rates were extremely low (lower than fixed rates). I was also rewarded an additional .25% off the principle if I paid using auto drafts from my banking account.
The $200 bonus does not have to go toward your loan it can be deposited into any account of your choice after signing up
Everyday Purchases
Saving on everyday purchases is paramount. As a business owner, especially in the first years of my business, I traveled a lot for networking, conferences, and business meetings and the gas and mileage quickly adds up.
What I like about Fuel Rewards is not only do I save on gas by the gallon but I also collect rewards at restaurants and can exchange gas for airline miles as well.
Tech
There are many security companies that will safeguard your computer and personal data and I use several, however, Aura often has discounts and can be used on computer and phone. Aura also has password protection as well.
Use my link to save an additional 20%
It is important to reevaluate your clinic expenses and overhead every 6-12 months. If you aren't careful you will find yourself overpaying for outdated systems and technology. Switching to Hostinger not only saved hundreds of dollars a year but also increased my web download speeds and saved money on no cost integrations such as security and web back-ups.