This was the year that things were going to be different. This was the year the old habits you built over the years were going to the slaughterhouse. This was the year you decided that you had enough.
You said you were going to stop spending so much, and get control over your money. You were going to work towards getting out of debt. You were going to save more money.
And then something happened. And then another thing came up. And some of those old habits were a little harder to kick than you anticipated. And now, this year is starting to look similar to last year. […]