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It's that time of year when many people make "New Year's Resolutions"– but I stopped setting New Year’s Resolutions several years ago. I had just finished participating in an 8-week health challenge during the Fall. After the challenge, I resolved to continue living that healthy lifestyle but didn’t want to wait until January 1st. So, I stuck to that program on my own for one year, and got in the best shape I have ever been in physically. (It was the only time in my life I have had a “six pack” of ab muscles.)

The ability to set and stick with a budget can help you and your family get back on track financially, and help you meet your goals of saving money. If the usual advice of “budget” and “don’t go out for meals as often” hasn’t really resonated, here are some additional tips you can try to save more and spend less, making this your year that you reach those financial goals.