Making Good on Your Financial Resolutions
More often than not, financial resolutions are doomed before they start... primarily because, they are too vague, they are not based in reality, and they are not backed by commitment.
Instead of resolving to get out of debt and save more money, it would be better to make at least one resolution to create a budget based on your actual financial situation; and another resolution to stick to that budget, making modifications as necessary.
A realistic budget will help you identify and eliminate wasteful spending; allowing you to grow your savings and/or reduce your debt. To simplify the process, you should consider our NetWorth2b Budget & Flow app. It is an inexpensive tool that will allow you to track your daily cash inflow and outflow, so that you can control spending, pay down debt, and save money.