There are a few times of the year when people decide it is time to cut back on spending. Right after the holidays is one of them. It's a combination of both the glut of holiday spending and the tradition of setting goals on New Year's. You may be wanting to change a lot of things in your life. It may be that you look back at what you made last year, and you do not have anything to show for it. You may be ready to move forward on the next phase of your life, and you do not want your finances holding back. No matter what your reasons, you can benefit from embracing a frugal lifestyle.
Being frugal just means being careful about how you spend your money. A few small changes can make a big difference over the course of a year. You may find that you implement just one or two things each month will help you end up in a much better place then you are right now. Look over your spending habits and decide on just two areas you want to change in January. Then create a plan, so that you really can make those changes.