A new year brings a feeling of revitalization. Many of us may be attempting this in many different areas of our daily lives, hoping we can make an improvement by following through. One major area you may be concentrating on is your financial expenditures. However, it can be overwhelming to get started. The basic first step is tracking where your dollars go. After you have gotten into a routine of doing this, you will be able to identify the essential living expenses and then create a spending plan in hopes of spending your hard-earned dollars more effectively, reduce the need for consu...