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seems to be a natural fit with the start of a new year alongside of new years resolutions may be a good time to dust off your financial plan paying down non-deductible debt is one big one so whether thats a line of credit a credit card balance a and outstanding loan on possibly a vehicle or whether thats the principal residence mortgage or things of that nature those those might be common common areas we might hear so paying down debt would be a big one possibly saving more as well for for retirement saving more for emergencies saving more for rainy day if you will so all of those things I think the very starting point of saying I want to save more and I know that Im spending on areas that I may not want to spend on very first starting point there would be to look at cash flow Wow what type of money is coming in to the household and what type of money is going out and where are those usual expenses and what I would coin as survival expenses so the necessities of living and then wh
