I read an article that talked about some easy to keep New Year’s resolution that can help you manage your budget. I thought they were interesting and very true therefore I wanted to share them with you:

• Don’t incur any overdraft or non-sufficient funds fees – Overdraft fees are more expensive than any other conceivable type of short-term borrowing.  Ask your bank if they offer free online banking, and check your balance regularly to avoid any surprises.
• Make a budget and eliminate unnecessary expenses – By keeping track of your budget, setting realistic goals, and putting money aside for unexpected expenses, you can ensure that you aren’t increasing your debt in 2009.  Cutting that $3 per day coffee out of the budget saves you more than $750 over the course of the year!
• Pay your bills on time – The interest rate charged on late bill payments is more expensive than any other borrowing option, except bank overdraft fees. And each bill you pay late can be another red mark on your credit score.

Reassess all of your fixed bills -The cell phone, cable, or term life insurance policy you signed up for a couple years ago might not be the best available plan for your budget today.  Going through each of these bills one by one will almost certainly yield results.