4. Update your budget. This is nothing but an on-purpose, on-paper/computer plan for exactly how you will spend your money from month to month. Stop being one of those people who run out of money before they run out of month; there's no reason you should not know exactly where your money is going. If you don't have a budget, create one. If you do have one, update it for the new year--and stick to it. Wealth builders control their spending; they don't allow their spending to control them.