Wellness Tips on Money: Be aware of what your spending triggers are, because that will factor into creating a budget you can live with—and stick to. “The start of a new year is a good time to look at spending habits. Things like cable, eating out, and shopping could be preventing you from saving.”

7 Steps to Help You Have More Money This Year: "Next, you should assess what you spent your money on last year, by category. If you’ve set up your Money Center, you can look at your historical spending according to the expense folders you have labeled. Many credit card providers will also let you download a yearly summary of your purchases by category."

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