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Smart money management isn’t simply about making more money, it’s about making the most of what you’ve got. If you’re serious about saving and getting ahead in 2010 you must have a budget and stick to it. It’ll show you where your money is going each month and help you use it in better ways.

Too many families just meander along with a bit of budget here, a quick decision on how to spend the odd bonus, an expensive holiday because you deserve it, and all of a sudden the credit cards are at their limit and they’re way off track.

Sit down and set your family budget for 2010. If you’ve done a budget before use this time to update it.