Successful businesses plan spending budgets and income targets for the calendar year. Often this happens in January for the current year after they have been able to collect and digest the previous years financials. You and your family deserve nothing less that success also. Its time to get your finances in order for the year. Yes, plans will change and things will come up, but a plan is priceless in guiding financial decisions and planning needed savings.
Take some time now and map out some of the following: