New Year Money Plan: 8 Simple Steps to Boost Savings & Clear Debt

• Prioritize savings by setting aside a portion of income before other expenses.
• Challenge yourself to reduce or clear debt by breaking it into manageable milestones.
• Implement "no-spend days" each month to control spending habits and identify potential savings.
• Gradually build an emergency fund to prepare for unexpected financial needs.
• Commit to regular investing, even small amounts, to foster long-term wealth growth.

Why It Matters: Simple financial habits can help readers save more and manage debt effectively.