If you would be wealthy, think of saving as well as getting.
– Benjamin Franklin

This is the time of year when many people resolve to turn over a “new leaf” and make important changes in their lives.  For a lot of us, that includes changing the way we manage our money.  With the over-spending that tends to occur around the holidays, it’s easy to decide to make a budget – but the hard part is sticking to it.  Below are some online tools to help you do just that.





If you feel like you would benefit from more personalized help getting started, you may consider checking with the Better Business Bureau (www.bbb.org ) for accredited financial consultants in your area.

Happy New Year!

~The HealthPsych Team