I am a big believer in the New Year’s resolution. I make one (and only one) every year. This allows me to focus on something that I have been putting off and attack it. This year I am going to lose weight. I know this sounds like the resolution that everyone makes but when I make a resolution, and share it with people, I stick to it until it is done. How much weight am I going to lose? 30 lbs should put me close to my ideal weight so that is the goal.

In the spirit of new year’s resolutions I want to encourage anyone that does not have a written budget to start one for January. I am such a believer in budgeting that the next few days will be about my budgeting philosophies and how to get your budget set up so that you are comfortable with it. For those of you who think a budget is a set of rules sent to ruin your life I want to encourage you to read for the next few days with an open mind. I am not the person who enjoys budgeting by nature but I have seen the impact of this tool on my personal finances and want to share that with my readers. If you have never budgeted before THIS IS THE TIME!! By telling your money where to go instead of wondering where it went you will be able to save money like never before. My blog is called Saving Freak not only for how much I save on purchases but also for the amount of money my wife and I put away each month. You can do this too and I will show you how this week.