Make a better budget, first
close-up of a piggy bank with new year’s resolutions on a white background
Making a commitment to increase your savings is the one New Year’s resolution that will benefit you the most over the long run.
Create a preliminary budget that works for you before you return to work in January and establish a strategy for how you’ll stick to it. You Need a Budget (YNAB) and Mint are two apps that can make this process as simple as possible. Rethinking when and how you buy items for your house and family can also help you improve your shopping habits because you may be leaving money on the table.