Get your money straight in 2012

Financially, 2012 will be a tough year. That means that it is extra important to get your money straight that year. As far as I'm concerned, it is even my New Year's Resolution. I want to:

- build an emergency fund (as we have one now of approximately 1 day)
- pay off a small part of the mortgage
- accumulate more savings on my business account, so I can pay my salary for a few months, even if I earn nothing at all

If you also want to get your money straight in 2012, here are some tips:

1. Start fresh
Even if you feel like you are very frugal and don't have anything to save, there are probably still some things you can save money on. Create a budget and stick to it. And review the budget every month; if you can make do with less, do it.

2. Start now
You might think it is too late or too soon to start thinking about your financial future. It is not. Start now, every day wasted makes it harder in the end.

3. Make more money
Try to earn money by blogging, take on extra shifts, rent out a room in your house: try to earn more and spend less, so there is more money to accomplish your financial goals!

What are your (financial) plans for 2012?