The best tip I can give in regards to saving money for 2015 to start buying personal necessities before you buy anything else. Each year, I make a list of all things I need, and I will buy all items in large quantity, which will last the entire year. This helps to save, and curve my spending habits. Also, itemize everything you spend. By implementing an itemization system, you are able to keep a monitor eye view of your cash flow of expenses. When you do not maintain stretching the dollar or a monthly budget, you will spend without counting, which leads to overdraft fees, consistently living pay check to pay check, and not saving. It’s important and essential to gain knowledge on the fundamental basis of money management, and build a habitual practice in budget control, All in all, staying on course to follow a budget in 2015 and beyond.