There are three things you can start doing today to put yourself on the right financial path for 2009. Get all three steps, and record your successes, struggles and feelings as you complete them.
What Do You Really Need?
Want to pay off your credit card bills or put more towards your savings but feel like you're already strapped for cash? Use this exercise to help you find that extra money!
Wants vs. Needs Shopping List
Feel like going on a spending spree? Do you go to the store for one thing and come home with 10? Before you set foot in another store, use this exercise to prioritize what you really need and brainstorm how to get it for less.