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If budgeting is a challenge and you need to have some help getting started and creating a financial plan, although you can do it on your own, seeking out help from credit counselling services can be really helpful–especially when getting started.

But, I’m not doing the 52-Week Money Challenge as I’ve seen it presented. Here’s what I am going to do instead (and, I’d really super duper love to have you do this too): This week I’m going to set aside .

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Figure out where you are spending too much and can cut back.

For me, eating out and impulse buys was killing me, so I figured out how much I could save by being patient and waiting for deals (such as those found at Kohls and Amazon), and preparing my meals well in advance.

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