This year, commit to financial discipline by breaking these bad habits.

1. Financial Habits
to Avoid This New
Year

2. 1. 2.
Plan your budget and
stick to it.
Track Your
Expenses
Cut irrelevant expenses like
regular dining.

3. Lack of emergency
reserve
Set aside a portion of your monthly
income for emergencies only. habits
to avoid this new year

4. Item 1 Item 2 Item 3 Item 4 Item 5
50
40
30
20
10
0
Avoid
Fundamentally
Weak Stocks
Invest in stocks with solid
financials.

5. Avoiding Loan
Insurance
Loan insurance covers your
EMI during a financial
crisis.

6. Avoiding Health
Insurance
Medical insurance protects against high
treatment costs arising from various
ailments.

7. Not Considering
Diversification
Your investment must be
spread across multiple asset
classes.

8. 1. 2.
Avoid havingmultiple
credit cards.
Overborrow
ing
Never borrowmore than you
need.

9. Avoiding Tax
Planning
Always try to take advantage of
the various deductions and
exemptions available under
the Income TaxAct.

10. Not Reviewing
Your Credit Report
Check your credit score and
report once every year.

11. Following these simple tips can help you
become more financially disciplined in the
new year.

12. Thanks
Would Love to hear from you.
Hero FinCorp Limited
09, Basant Lok, Vasant Vihar, New Delhi - 110057
Tel: 18001024145
Email: customer.care@herofincorp.com
Website: https://www.herofincorp.com/
10 Bad Financial Habits to Kill Before the Start of the New Year