make financial plans as the new year has just started

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I just got some tips from feedthepig.org into my mail and the tips are very simple: the new year has just started and it's a good chance to start planning how to control the money so surprises won't come up and we can save more : -reflect - take some time to see how you managed your money during the last year (2011) and ask yourself some questions : what could I do better ? , did I increase my monthly savings ? , did I miss some payments I got to pay ?(you better avoid late payment fees)... plan your steps for financial success for this year , and don't carry over your financial misses -Review - look what your budget is , what are your savings , what are your goals. ask yourself "did I reach my goals from the previus year?" , " did I pay off one of my debts ?" . Adjust your budget accordingly. -Refresh - revise your financial plan for this year acording the reflect and review from above. Consider any new goals you may set , consider any change in life like getting married , having a baby , changing jobs. It can have a big impact on your finances. The more time you plan the financial plan for this year , the better your finances will get. Ow!!! , my own tips are : don't forget to save money for fixing the car , it will get broke eventually , and save money for your teeth , almost everyone fixes his teeth in his life (even my grandmother , she is 79 and having her teeth fixed tommorow). Those things are not surprises , even having a health problem is not a surprise and you better save money for those rare "surprises" Does anyone have any other tips for how to plan the finances better for this year ? Maybe you can go to feedthepig.org and read some. Have a new good year.