Did you ring in the new year eager to rock your money goals?

I know I did. I felt absolutely sure that this was going to be my year to get things done. I promised myself that we would stop spending our money on take-out and use it to pay off debt. We were going to use every bit of my freelancing money toward our goal.

But, it’s only mid-January, and I already feel like I failed.

So, now what? Should I give up because it’s three weeks into the new year and I have failed miserably?

Absolutely not! I still have the entire year ahead of me. As easy as it would be to throw in the towel, I know that three weeks does not have to dictate how the rest of the year will go.

As much as I love Christmas, I also hate, hate, hate winter. I don’t enjoy the cold weather at all and if I didn’t have to leave the house between late November and early April, I wouldn’t.

Whenever I have to leave the house, I get all bundled up because I hate to be cold. I’m a big fan of wearing several layers whenever I go somewhere because I can always take off a coat or jacket if I’m too warm. But, if I didn’t wear or bring a coat, that I’m SOL if I’m too cold.

Unfortunately, good quality, warm winter clothes can be pretty expensive. Luckily, I’ve found a few ways to save on warm winter clothes.

Is one of your resolutions this year to save more money? If so, you are not alone.

Many people are striving to save more money this year, but they don’t know where to begin. Others make a valiant effort to save more money at the beginning of the year, but by Spring Break they are ready to give up on their goal.

This year you can make sure you save more money by creating accountability, and use your competitive side to your advantage with one of these savings challenges.