thanks for that. While 2013 was a great year for the stock market, household budgets have been under pressure and that pressure now likely to continue as we kick off this new year. We want you to take... See More
thanks for that. While 2013 was a great year for the stock market, household budgets have been under pressure and that pressure now likely to continue as we kick off this new year. We want you to take stock of your personal finances. Rebecca jarvis is here with five money moves to boost the bank account in this, 2014. Reporter: Money move one, start earning. Have a tablet collecting dust, a gazelle will pie it. User tegsing finds you to find bugs and glitches. Money move two, start budgeting, there are of apps to track your spending on electric bills and nights out. Money move three, get rewarded, typical american family begins to 22 rewards programs for discounts on everything from food to fuel. But, did you know? We only cash in on 9 1/2 of them. Leaving $16 billion behind. Never miss another discount or deal with an app like key ring, store bar codes. And number four, pay it down. Start paying the highest interest loans, typically credit cards. Money move five, check yourself. The holidays are primetime for family and fun, they're also high season for identity thief. Start 2014 off right knowing that your information hasn't been compromised. For "good morning america," rebecca jarvis, abc news, new york. Rebecca, thank you. For more now we want to bring in mike santolli. How would you say, first of all, very generally, one to ten, how hopeful are you for the economy to perhaps remain where it is if not remove sf. Six to seven. We had some decent momentum in the back half of 2013, the sequester and all of the federal government problems did not really constrained the economy. I think a lot of that can continue. What indicators are looking for you, wh? Always jobs. You want to see job creation. Also companies, you want to see companies start to really spend and invest in hiring and new equipment. They really have been kind of cautious. They have a lot of cash. As you mentioned the last three, four months, good for the jobs, now here comes the question, as we continue to look at whether or not the fed, what it will do with the stimulus program, directly lingtd to the stock market, how hopeful are you for the stock market as we inter2014. Most of the trends remain in place. That doesn't mean you get 20%, 25% this coming ahead. When you're talking about historically low interest rates, companies remain profitable. If you get a quickening of the pace of economic growth it's going to confirm that strength in the stock market. Do you see it as a rosy forecast, one year ahead from now? It should be somewhat better. I think unemployment should trend down to 6%. I think it will be a more balanced growth picture, too, because the rest of the world should actually kick in, europe, finally coming off the mat. It should be a somewhat better picture. Can this economy deal with potentially higher interest rates? Can we adjust to a less generous federal reserve? Perhaps the federal reserve, the big wrench that could ruin arty in 2014? It's the big knowable risk out there. The other risk is that the financial markets get so overconfident and overexcited. That creates the potential for some kind of financial accident down the road and that happened IN THE LATE # 90s. It could cause interest rates to kind of fly off the charts. As we watch those numbers grow ever higher. Michael santoli, happy new year to you. Lara?
This transcript has been automatically generated and may not be 100% accurate.