We’ve all been there. Up until now, you’ve been keeping your new year’s resolutions faithfully, whether it be eating healthier, having more fun, or saving more money! But as we get further into January, real life steps in and you may have secretly eaten an extra cookie (or five!) or spent a little more than you should have. Don’t fret. We’ve got some tips on how to easily get back on track with your spending.

  • Keep track of what you spend and on what. We’re not kidding – write down all of your expenditures in a given amount of time – say, two weeks. Choose an amount of time that makes sense for you and your routine. Do you notice any surprises? You may not think about two or three dollars every day on a morning coffee from the newsstand, but after two weeks, that could add up!
  • Set a reasonable goal for yourself. Have you had your eye on a new handbag or the latest electronic device? Or do you just want to put more money in your rainy day fund? Establish your goal and set your budget. Maybe this means saving 10% of each paycheck. What would it take to do this? Perhaps it’s as easy as bringing coffee from home, or packing a lunch once a week instead of eating out. Trim your goal off your monthly budget, and at the end of the month you can see your savings grow!

We know what you’re thinking. Easier said than done, right? Our last tip may help you most of all.

  • Sign up for a prepaid debit card. Not just any card, but one that will allow you to allot a portion of your paycheck to the card with no fees. Give this card a specific purpose. For example, if you’ve determined that you can spend $100 each month on entertainment, load the card with $100 and only use it for just that. When the card is empty, you’re done spending for the month. Get a card that will keep you on track with text messages and an easy online interface, and it will be that much easier to monitor your spending! Now that you’re paying attention, you may just end up with extra money at the end of the month! Bonus!

The New Way Card is a prepaid debit card that is accepted anywhere you see the MasterCard sign. Receive text message alerts, manage your balances online, and even load your paycheck via direct deposit without the pesky fees financial institutions can charge. The New Way Card can help you keep your spending under control and make your savings grow! Learn more about its benefits and how you can sign up and get on your New Way!

We don’t know how to stop you from sneaking that extra cookie, though!