This I got to post. If you're going to make a New Year's resolution, this must be included. You can't pretend that you're doing well financially if you have not done these major financial resolutions yet. 2015 is your time to start doing these. I hope this helps.
If I may add, financial problems starts when you and I begin experiencing "lack in our finances". The solution is easy. Start looking for a way to increase your "cash flow". If you are serious about knowing how to increase your cash flow, I can help you. Just call me at 0917-569-4204.
To your debt-free life in 2015,
Note: article is by Mylene Lopa, the Chief Marketing Office of Sun Life Financial Philippines.