Smart Money Moves to Kickstart 2012:
1.) Create a budget based on realistic numbers and information. Use previous receipts to create a budget that reflects your actual spending over the last several months. Using this approach will factor in unexpected expenses such as home repairs, health expenses and car repairs as well as the normal, predictable expenses such as utilities and groceries.
2.) Plan ahead for big ticket items. Discipline is the key here. Think of what you just spent over the holiday season starting at Thanksgiving and into New Years. These expenditures require significant outlays of cash in addition to your day to day expenses. Many stores have after Christmas sales, white sales, summer sales etc. Take advantage of these sales to purchase next year's Christmas gifts, upcoming birthday gifts or electronics and appliances for your home. You will be able to save money on items purchased and spread the payments out over the year.