A little declaration to the can always help when making resolutions. Afterall i tend to make a new batch or twig mine every few months.

Mine this year is including the budget. Im going to have to nut out what i need to pay off etc and what I need to save but I have a cool little excel spreadsheet that I used this year and last year to help me.

The last biut of advice that someone recently has given me when i was talking about all my goal setting is this 10% save, 20% debts, and 70% living (thats including your bills)