Five Ways to Start Saving Money in the New Year

In this economy and especially at this time of year, many of us are facing our very own fiscal cliff. While we may not be able to raise revenue as easily as the federal government can, these five steps may help you reach solvency and put savings in the bank, financial planners say.
Get organized. Put due dates for bills on an electronic calendar and you’ll get email reminders to avoid late fees. A good filing system will help when tax time rolls around and will be useful in the next step. Which is:
Get a budget. There’s a ton of free online resources for this, including mint.com and budgettracker.com. Some even track your bills.
Get a debit card and some scissors for your credit cards. Better yet: Pay cash whenever possible. It’s a fact that most people spend more when using a credit card. And if you use a credit card, pay

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