7 financial New Year's resolutions for 2012
Create a budget
Many of us think we can keep track of our budget in our head -- don't. It's like driving blindfolded. You may stay on the road for a while, but chances are you'll veer off track at the first curve, with possible disastrous results.
Developing a budget will help you stay disciplined, especially since it causes you to think mindfully about your money decisions. There are terrific tools out there such as Mint.com and Walletwatcher.com, which make the budgeting process a snap. They capture your important financial information in one spot.