Happy New Year, everyone! There is just something palpable in the air each January – something invisible that silently screams that we are all standing at the beginning of an endless array of new and exciting possibilities.

I’m not one for big resolutions that are over almost as quickly as they’ve been spoken aloud, however I came across this article and wanted to share it with you, because who wouldn’t want an extra $3,500 this year?

Leave it to Dave Ramsey and his team to put together a fantastic list of easy swaps that we can all implement this year to increase our financial wellbeing.

Happy reading!