The energy and drive that comes at the start of a new year can feel like magic, when really, it's more like focused optimism. Sure, early January is an arbitrary timeline in the grand scheme of life to make a change — but you should claim that energy whenever, and however, you can get it.
Work & Money
How To Use Piggy Banking To Save More Money
Spend enough time on money-saving blogs and you'll come across plenty of people casually dropping the term "piggy banking" in the comments and forums.