There's a lot to be said about going into a new year, but I'll keep it brief.
Do you think that just because it's a new year, you can do things you couldn't do in the old year? Or that you can do what you did last year, only better? Or that you WILL do things in the new year that you wouldn't do in the last year?
If you answered "yes," you're not alone. Many people make resolutions to start this or lose that or save this in the days of the year ahead of them. Often, this resolution is a catch-all without any specific plan. "Save money," can cover a lot of territory.
You can save money by cutting back on what you buy. Cut out the junk food and the overspending on clothes and the house and you'll save money. Have a certain amount sent automatically to a savings account each pay period and you'll save money. Turn out the lights, turn down the heat, take faster showers and you'll save money.
Just how do you want to do it? Make a plan. You will never get there if you don't know the way. Following a plan is like following a road map. Look to see the distance, count the miles and decide what is the best way to go.
Of course, you have to have a destination; how else will you know when you get there?
1. Decide on your destination
2. Make a plan - decide how best to get there
3. Follow the plan
Sounds simple, doesn't it? It is, if you stick to the basics. Put it on paper or on the computer where you will see it. Work at it. 2010 can be the year you make it happen.
A Frugal and Happy New Year