Personal Improvement 
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9 tricks to get a jump on 2016 money resolutions

Most people have some sort of financial resolutions at the start of every New Year, whether it’s to be debt-free or save more.

There’s something about having a clean slate when you flip to a new calendar year that can be quite motivating.

Here are some ways to evaluate your spending and put more cash back in your pocket – and you should start now, while you’re in the throes of holiday shopping.

Trick 1. Create a “fun fund” to cover small outings or extras that come up throughout the year.

You know how you’ve had to pass on that holiday brunch or happy hour because you’re flat broke this time of year?

You can find room in your budget next time if you start socking away as little as $5 a week now.

Physically put it in a jar, or set up an automated contribution to a separate savings account. I used this approach in 2015, and I saved up enough to enjoy a last-minute weekend getaway over the summer.

I’ve since replenished the fund and dip into it here and there for everything from salon appointments to dinner dates with my husband.
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 Frugal Living 
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4 Eco-Tips For A Wonderful New Year

Champagne BottlesAs the New Year kicks off to a start many of us are taking the opportunity to take stock, examine and make changes. For many this can be somewhat of a painful process. Even though change is truly a part of our lives on a daily basis and on a larger scale, there is still that stigma of change being associated with pain.

This year as we ride out this strained economy the theme for many people is “look at what I already have!”. This can apply to appreciating the family & friends in our lives as well shopping and acquiring more stuff. Here are a few ways that you can kick the Eco-simplicity habit into gear and set the mood for 2010 and beyond. And don’t forget, changes don’t have to be painful. They can bring joy as well as inspire you and those around you.

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