You work hard for your money; it should work hard for you. And while intentionality is quite the hot word these days, it’s really the key to making your dollars put forth that extra effort. Being intentional is how to save more money (and spend less!) each month.

Because you know the money isn’t really the muscle, right? You are. Your money isn’t achieving new and wonderful things. You are!

Still, there’s a whole wide world of ways to save money out there. Where do you even start? Start quick. Start easy. Start here. We’ve got 20 simple tips to help you save money throughout your day, week, month, year, life! And here they are.

Can you believe it’s nearly January? Where did 2018 go? We know you want to start the new year off right, and budgeting’s the foundational step to make all those 2019 money goals come true. While you’re ringing in the new, should older budgets be forgot and never brought to mind?

That’s a big no.

The budgets of years and months past—with every success and slipup—are what you build future budgets upon. It’s important to see what worked and what didn’t. Use that knowledge as power to move forward.

Before you eat all the Christmas candy and litter your living room floor with red and green wrapping paper shreds, be sure to set up your very first EveryDollar budget of the new year, and remember these eight items as you do.

A goal is a wish your heart makes . . . when you’re wide awake and ready to start getting life done.

Part of being an adult is realizing there’s no fairy “goal-mother” with magic dust who makes wishes come true—which is good, because it also means your dreams won’t turn into pumpkins at midnight. But it’s also bad, because it means you’ll have to work for them.

When you think about millionaires, visions of fine crystal chandeliers, designer everything, and champagne fountains most likely flow through your mind. You imagine people who either are born into their wealth or rise to the top out of nowhere, right?

As it turns out, millionaires do common and everyday things to get where they are. And though that isn’t alluring or glamorous in the least, it’s great news for you: It means you’ve got a shot at millionaire status. Just follow the same kinds of principles as those who are already living your money dreams, and budget like a millionaire.

“Shopping time is here. Endless lines and fear. Fun for all who love to brawl with super stressed cashiers.” In case you didn’t catch it, that was our Weird Al-esque version of the song made popular by the Charlie Brown Christmas movie: “Christmas Time Is Here.”

Did you know Americans are expected to spend around $720 billion this holiday season?(1) That’s a lot of photo cards, candy canes, Michael Bublé CDs, Santa hats, plush novelty socks, and sparkly ornaments. But unless you intend on skipping Christmas this year, you’re going to find yourself a part of that $720 billion.

To keep from completely “sleighing” your bank account, though, set up your budget and stick to it like sap on a real fir tree.