You may be starting your New Year with poor or bad credit. However, with a slow but strong improvement in the economy projected for 2014 this may be the time to turn your credit score around. So what exactly can you do to become financially fit for 2014? Well CNBC's Gloria McDonough-Taub has a game plan that you'll find compelling to follow.

1. Take a Minute

By taking just a few minutes each day to review your bank balances and pay your bills, you can catch things that may cost you horrendously in the future; like identity theft for instance. Always contact your financial institutions if something even looks remotely awry.

2. Face Your Fears

With a rough economy world-wide, many people feel they will out live their retirement funds. Prepare now so that doesn't happen!

• Save 10-15% of your income for retirement
• Contribute to your 401(k)
• Open an IRA
• Roll over your accounts from previous jobs
• Start NOW!

3. Get Serious

Finances are something you should treat with high importance. Maintaining them is not as difficult as having to rebuild your credit and finances. If you are in a situation where you are looking to rebuild your credit history, a bad credit auto loan is a great start. Reduce your debt as much as possible and get rid of high interest credit cards. If your kids have moved out, consider downsizing to save on utilities and monthly payments. Start an emergency fund so you're covered when insurance doesn't cover some repairs.

Buy Now and Save Later

You may be surprised to find out that purchasing a vehicle can be a great step to rescuing your credit. And it's becoming easier than ever with an improving trend in the auto industry continuing into 2014. You don't even need a large down payment. A payment of even $500 can have you in a newer, more reliable vehicle. How? Keep reading.

Let's Get Started

At FundingWay, we have helped thousands of people just like you with bad credit auto loans. With our easy online application we can quickly review your current situation. We'll then find an auto dealer in your local area that will help you with. There's no gimmick, no hoops and ladders scheme; just people helping people. And all you have to do is simply apply today!