It's a new year and that means you've been thinking about how you need to get on top of your finances this year?? Then read on ;) There are always a few areas that need improving in your budget, but if I could only ever offer one tip, it would be to ALLOCATE ALL OF YOUR INCOME! Every dollar that comes in needs to be put somewhere in order to pay for something. Even if you have left over money at the end of the week, don't just feel like you can spend it because it's there. Make it unavailable...