A Penny Saved

fter the excesses of the holidays, I am ready to reform my spending habits. If you need a little push in the right direction to get your finances in line (as I do), the Internet is an invaluable resource. As Ted Lloyd, our publisher, frequently reminds us, the first thing you need to do is make a budget. For some people, just the idea of writing down everything they spend and sticking to a budget sends shivers down their spine. But experts (such as our publisher) agree that sticking to a budget is the surest way to effectively make the most of your money. The web sites featured in this article are a great place to start preparing for your financial reform. If, during your budgeting process, you find that you have some extra cash to spend, check out the game of the month.