It’s time to get your financial house in order. But before you can make a plan to save money, you have to find out where your money’s going. If you use an online budget tool or computer program to track your spending, run some reports and evaluate where your money went. If you don’t have any records, write down every penny you spend for a month. “It’s hard to figure out where you’re overspending until you know where you’re spending,” says Jean Chatzky, author of “Money Rules: The Simple Path to Lifelong Security.” For her tips on saving money this year, read the full story on our sister site, Living on othe Cheap.