Tips for keeping financial New Year's resolutions

If your New Year's resolution is to save money, start off in the grocery store.

Lauren Greutman, a coupon blogger for says you should let sales and coupons be your guide.

"It's really key when you're trying to cut back on your spending when you're trying to cut back in the grocery store is to be intentional about your spending. Know what you're going to buy before you go in. Look at the sales, plan your meals around what's on sale," says Gretuman.

A simple change in habit will force you to be more intentional about your spending. Greutman suggests using cash only for 21 days because if you actually see where your money is going, it helps you realize where you can cut back.

Also take advantage of the rewards programs at drug stores, which are good places to stock up on toiletries.

"Let's say at Rite Aid you buy toothpaste for $2.99 and you use a dollar off coupon, you pay $1.99 and at end of your receipt, a $2 off coupon for your next order will print off. So it's like getting it for free if you count that reward in," says Greutman.

If you want to learn more about money management Greutman recommends taking one of Dave Ramsey's classes or reading his book. It was only six years ago that her family was $40,000 in debt. She says Ramsey's book taught her a lot. They're now 100% debt free.

Greutman also says planning itself can be a powerful influence.

"Lets say you just spent two hours planning a grocery shopping trip for your family and you saved $100, you're a lot less likely to go to walmart and blow $100 on something because you just worked hard to save that money," says Gretuman.

Because if you work hard for the money, you should also work hard to save it.