1. Never shop before making a detailed menu for the week.
2. Use coupons whenever possible.
3. Cook with seasonal produce.
4. Use the generic brands for cleansers, shampoos and detergents instead of brand-name products.

The dawn of a new decade is a time for powerful new beginnings. Are you ready for
a powerful New Year’s resolution?

Eliminating debt, learning new spending habits, or building savings are choices that can change your life. They can affect your entire well-being– from stress levels, to physical and mental health. The new year and new decade is a great time to commit to your financial health.

1. Make a Road Map: Set a Goal (and Write It Down)
Goal setting gives you direction. You can decide on your destination and make a plan
to get there. This might seem small, but it’s not. Not only is goal setting found to be
linked to higher achievement and self-confidence, but writing down your goal can
also make you 42% more likely to succeed. 

We all grow up hearing the same financial advice: Spend less, save more and invest early. While most of these words of wisdom ring true, there are lots of widespread money management tips that are actually false.

Read on for 7 money myths that might be causing you more financial stress than benefit.  

Myth #1: Debit is always better than credit.

Do you automatically reach for your debit card when making a purchase? While it's true that paying for your expenses with money you already have in your account is often the best choice, there is a time and a place for credit cards as well.  

The real deal: Credit cards get a bad rap for the debt trap they represent, but they should be your payment method of choice on occasion. Building and maintaining a strong credit history is crucial for your financial wellness; one way to achieve this is by using a credit card and paying the bill on time. Some credit cards offer purchase protection, which makes them the smarter payment method for big-ticket items.