“Where does our money go?!?!”

“Where does our money go?!?!”

It’s the start of a new year. A time for resolutions, goal-setting, reflection of the last 12 months and a fresh start. Financially, it can be a very depressing time. The holidays are over and now you must face the harsh reality of your generosity over the gift-giving season. That said, receiving your January credit card statement should not be an anxious experience. In actuality, your credit card statements are excellent budgeting tools that not enough people use to their advantage.

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