Are you tired of living paycheck to paycheck? How about making this time to break the cycle? Are you ready to make 2018 the year that you get your act together?  

If you find yourself always making resolutions to change your financial life, let’s change that!  Let’s make sure that this is the last year that you need to do it, because after 2018 you will be in a different place.  If you are ready to get started, here are 5 Tips for Changing Your Financial Life in the New Year:

Budget.  Budget, budget, budget.  Have you heard enough about it yet?  Seriously budgeting will save your financial life and make a difference in many aspects of your life.

Cut the cord.  The average household pays $100 per month on cable.  Cut this bill out and you are automatically $1000 richer this year.  What could you do with that $1000?

Set goals.  Set a goal for what you want to do with your money, how much you want to save, etc.  Setting these goals makes it easier to avoid the temptation of spending money unnecessarily.

Meal Plan.  Meal planning will change you life.  It really will.  Did you know that the average house spends over $3000 per year dining out?  Yep, it’s true.  Think of all of the things that you can do with that $3000.  That is enough to go on an awesome vacation or a huge chunk to put toward savings.  Meal planning will help keep you from spending lots of money on dining out. 

Plan a no-spend month.  In just one no-spend month, you can save hundreds or even thousands of dollars.  It sounds harder than it is, you simply only spend on the necessities and don’t veer off of that.