Happy New Year to you, hope that you had an absolutely magnificent Christmas holiday season

and a wonderful New Year's.

And I have my kids that stay up late on New Year's Eve.

Well, not so much my thing, staying up late my, my son, when he was seven, really got into the

whole idea of staying up till midnight. And then midnight hits and he's like all wound up and

can't go to sleep. So I hope yours was fun. And here we are in January, which is, well, not exactly

generally people's favorite month. It's kind of a month that all the family and stuff and all

that's over. And then we've got short days and depending on where you live in the country, maybe

the weather's not the best. But it's also a time we reassess. And as I have talked about before,

I want you to be careful getting into the whole New Year's resolution thing. Because if you try

to chew off too much in a New Year's resolution, it's not going to work. But if you've resolved that

you want to have more control in your life in this New Year, one of the things I'd like you to do

is get a real handle on what you're spending. And I'm going to talk about that a number of ways

this hour. Our show is all about you learning how to keep more of what you make. And you know,

our main website, Clark.com. And you also can find deals galore at cartdeles.com. And

it's me and deals. I'm going to talk about those in just a few minutes. What are the things that are

deals right now? So if you don't know where your money goes, what happens to it and all that,

I don't want to get in the whole concept of budget, budget, budget, budget. But I want you to have

the information and see where your money is going and get it under control. I love the old, old,

old gray beard of money management, which is met.com, m-i-n-t dot com. And it with the website,

mobile and app, you're able to track what you're spending, where you're spending, how you're spending.

And really start to look at where's the money disappearing to.

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