Editor’s note: This is a transcript of the audio file.

What better time than now to give yourself a fresh financial start? We have savings tips to help you reach your goals. I’m Kristin Arnold with your Personal Finance Minute.

The best way to save is to put your savings on autopilot. Get direct deposit to a dedicated savings vehicle. You won’t miss what you don’t see.

Saving money also means not spending too much…and the only way to do that is to track your spending. Give yourself a solid two months…and then realistically set a monthly budget…noting every dollar spent.

Savings and budgeting can also help you acquire more money for retirement. If you haven’t already done so, start a retirement plan with a workplace 401k. If you already do have a 401k, why don’t you try hiking your contributions?

Credit card debt is the costliest debt households have. Try to pay down your high-interest credit card debt this year. You can use Bankrate.com’s debt calculator to customize a month-to-month plan.

Want to be financially smarter this year? Then you need to visit Bankrate.com to educate yourself. I’m Kristin Arnold.