The new year is a wonderful time for making a change for the better. Personally, aside from hitting the gym even harder, cutting back on the chocolates, and making more time for reading, I want to make my finances really secure. Since we’ve spent so much money, well basically all our savings, on IVF, I have become much more conscious of how much I’m spending and looking for opportunities to cut back. To really do a good job of this I have to do more than just take note of my  ...