Decision #3 5 Money Decisions to Make This January

 Next up, decide how you'll get yourself organized....ahead of time...for mindful spending all 2011 long: 

3. DECIDE: How Will You Track Your Finances in 2011?

Piles of receipts are so 2010. Get some personal finance software, such as MSN Money or Quicken, and track your income and spending more efficiently. You can even download transactions from your bank into your software. Trust us. It’s like a cell phone – you’ll wonder how you got along without it.

NEXT: DECIDE: How Can You Pay Yourself First?