Learnvest published a Financial Pyramid for making healthy financial decisions, and I thought it was a great way to start the new year. This is what to aim for instead of perhaps spending every spare bit of money on 'stuff.'

The basics

The bulk of your focus is on this first point. It sets the foundation for the rest of the spending that you do and it is wisdom that you have already heard. But today will be the day for your really understanding how to do this! I'm sure of it.