UNDATED (WKZO) -- A new year is here, and many have made resolutions to lose weight, quit smoking, or meet other personal goals. For some the best thing they could do for themselves is to resolve to do a better job handling their finances.
With another costly Christmas barely past, some budgeting experts say it's time to plan ahead for the New Year.
Melody Bell with Financial Beginnings says everyone should make a plan, and that means writing it, not just thinking or speaking it. She says if you write it down you are more likely to stick to it. She says simple New Year's resolutions just aren't enough when it comes to disciplined budgeting.