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Only when you get real and honest with yourself about your spending habits can you truly get sharp about money. So, take out all your receipts, statements and credit cards, and educate yourself on the journey to financial awareness.

Download our free budgeting quiz to see how save savvy you are.

Money might be tight this year and financial constraints may require some adjustments. We give you tips on how you can protect your wallet from the temptation to overspend.

Budgeting allows you to set and track your financial goals. Managing your money well is all about careful planning, saving and cutting back on excessive spending.

Take our quiz