Today is Saturday, January 8th. Today, we're talking about money. Specifically,

your money and the best way to manage it in the new year. A recent survey from bank rate

found about two-thirds of American adults are not expecting their personal finances to improve

this year. But that does not have to be the case. We're joined today by financial coach and host

of the Hard Money Talks podcast, Lauren Grutman. She's been featured on the Today Show Consumer

Reports and more. And here on the newsworthy, Lauren is sharing her advice on everything you need

to know for the new year. How to set a yearly budget. Easy tips for getting an emergency fund

started. How to get started with investing and so much more. She even explains her own experience

getting out of tens of thousands of dollars in debt and the best way you can dig yourself out of

a financial hole as well. Welcome, welcome to the Newsworthy Special Edition Saturday. When we

sit down with a different expert or celebrity every Saturday to talk about something in the news.

Don't forget to tune in every Monday through Friday for our regular episodes,

where we provide all the day's news in 10 minutes. I'm Erica Mandy. It's now time for today's

Special Edition Saturday. Hi, Lauren. Thanks for coming on the newsworthy. Thank you so much for

having me. I'm glad to be here. So I know a common New Year's resolution or goal is often related

to money. What should our listeners be doing right now to make sure they start the new year

on the right foot? Take a good look at last year's spending and see kind of where you might have had

some issues kind of regroup and then see what your goals are for this year and you know maybe set a

budget for every single month. Figure out where you want to go for vacations, those kind of things

dream a little bit and then you know start putting it into action. I think that's the beauty of

New Year's resolutions with everything is that you get this fresh start of what you want to do.

Anything specific that you're looking back on? I mean specifically your expenses and how much money

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