With the new year comes the desire to do better. Any time is a good time to improve our financial practices, and the sooner you start, the better results you’ll get. If you’re spending too much and saving too little, or if you don’t even know where your money is going, this is a good time to give yourself a financial checkup. Even if you’re doing well financially, you should take a look at your savings, your spending and your processes to see what can be improved. For tips and tools on how to get your financial life organized,visit our sister site, Living on the Cheap.