Happy New Year! Most people at least consider a few New Year’s resolutions, and many seem to be related to finances. If you are among them, here are the two best tips for anyone looking to save more money this year.

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Budget. This is the step most people skip over because it seems too difficult. But it’s worth it, and honestly isn’t that painful a process. If you aren’t a natural budgeter, het a little help from software like Quicken or a free website like mint.com. Having a budget will help you see where you spend too much and it will be easier to see where you can cut back, allowing more cash to go into your savings account.

Bonus tip: Be patient. Watching your savings grow or a budget begin to work takes time, and many people get discouraged when they don’t see immediate results. Time is your friend when it comes to saving. Hang in there, and you will reap the rewards!

There you have it. Two simple tips (and a bonus!) to start 2022 on a firm financial footing.