Have a fiscal-friendly New Year
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Many Americans live paycheck to paycheck, but there are steps you can take to be more financially prepared.
Mark Matthews with Randolph-Brooks Federal Credit Union says the key is to plan ahead to gauge how much money you have coming in every month, and how much you need to spend.
Secondly, try using automated transfers from your checking to your savings account every month to help save some coin before you get a chance to spend it.
Also, use technology and smart phones to keep track of your bank accounts.