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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 Banking 
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Savings makes you happier than a fun job, eating right or exercising

In order to achieve maximum happiness, this is all you should eat from now on.To achieve maximum happiness, as soon as you finish reading this, you should start eating only spam, quit your gym, and get a horrible but high paying job (patent lawyer or international accountant come to mind). Then, funnel all the extra money into a savings account.

Ok that might be a little extreme, but a national poll released today by Ally Bank suggests that having a lot of money saved up is more important to people’s overall sense of well-being than eating healthy foods, having a job they like, or exercising regularly.

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