I don't believe in New Year's resolutions. Any day of the
year is a great day to resolve to do something better than before. But January
is a great time to review how last year's income and spending compared to last
year's budget. If you haven't defined a budget, the beginning of a new year is
a great time to use last year's numbers as a starting point for this year's
budget.
Continue reading Planning to Spend Less Money This Year.



