I've never been good at New Years resolutions. My one major goal for the year of 2015 is to spend less and save more.![]()
That's easy. Just make sure you put part of your salary in a savings account the day you get it. Set up a direct debit so you never really see that part of your salary. Also throw away any credit cards you have and never borrow any money. Right down all your expenditure in a spreadsheet each month, and look to see what is needed (rent, electric, gas etc.), and what is droppable (coffee out, dinning out, taxis instead of buses etc.). Decide what you want to do with your cash and work towards that goal. Good luck.