Every month in 2018 will have a theme so at the end of the year you’re well on your way to Financial Fabulousness. In January, the hint is to track your spending. Whichever way works best for you is fine – pencil and paper if you are truly O.G., online through a website, or a bit old-school (like me!) with a spreadsheet. Just make sure you know exactly what you’re spending and on what. The results are often eye-opening!