“Some important financial moves are painful, time consuming, or both. Tackling mountains of debt or complex estate planning come to mind. Yet many smart financial steps are simple and take just a few minutes.” Today’s article outlines 20 simple ways to improve your finances – purportedly in under half an hour. From tracking your net worth to keeping tabs on 3 specific spending categories to travelling for free, CLICK HERE to see the author’s 20 hassle-free steps towards increasing savings, decreasing spending and being a smarter investor, as well as online resources that can be employed in carrying them out.