Like millions of Americans, you may have made a New Year’s resolution to get a handle on money – whether that’s saving more, tackling your debt, or planning to purchase a new car or home. When you are optimistic about a new year, it’s easy to have grand visions of how you will cut out every cup of coffee, cook at home every day, and break out a ledger or leverage a budgeting app on a weekly basis. By funneling this energy into a few hours of work, you won’t need to sustain that excitement for the rest of the year. Here are a few examples to help you meet your financial goals.