We’re half way through January; this is a good time to check in and see how you’re progressing towards any new year goals. Remember, you don’t need the new year to start a new thing; you can startĀ at any time. If you have a goal to start fresh with your money and to beĀ intentional with your money this year, now is the time to get going with a budget. If you need a little help figuring out where to start, in this post I’m going to tell you how to make a budget and share nine tips to get out of debt.