3 Financial Resolutions That Are Easy to Keep


BarcodesYou're not going to win the lottery. You won't be videotaping your pet when it does something worthy of a viral video that will make you rich on YouTube. That fat inheritance that you've been banking on will be leaner than you think.

However, there are plenty of ways to make 2012 the year that you make smarter financial decisions. Using the technology at your fingertips, you can save some serious money this year. Instead of reaching for the stars, here are three small moves that can make tangible differences in your pocketbook.

1. Make your smartphone even smarter.

Few people actually need a smartphone, but there are ways to make back some of that investment if you use your phone to save money elsewhere.

Tim Beyers highlighted a few ways to cash in on your smartphone investment. Using messaging apps to sidestep costly texting charges and using free GPS navigation instead of buying a GPS device are two great ways to make back some of the money being spent on monthly wireless bills.

Another neat money-saving trick is to download one of the many barcode scanning apps. RedLaser, ShopSavvy, and even Amazon.com's (AMZN) own price-check application let you use your smartphone's camera to scan the barcode of a product you're thinking of buying. The apps then spit back cheaper alternatives available either locally or online.

2. Use the Internet to save even more.

You don't need a smartphone to make sure that you're not overpaying for stuff. Several comparison shopping sites -- like NexTag, mySimon, and Google's (GOOG) Product Search -- let you check prices from anywhere your Web-tethered computer may be. (Make sure you sort by the final shipped price to get an accurate price check.)

Don't stop there. Once you find what you want and where you want to buy it from, see if you can get it even cheaper through cash-back and reward websites. FatWallet and MyPoints are just two of the many sites where ordering from select online retailers will result in a small percentage of the transaction being returned to you in the form of cash-back rebates or points that can be exchanged for gift cards.

Next, smoke out some promotion codes on the Internet. Whenever you find yourself at an online retailer's checkout screen, only to find a box asking if you have a coupon code, open a new browser window and see if something is available. RetailMeNot and CouponFollow are just some of the sites specializing in this juicy niche. Or, if you think the coupon you got in the mail from that national pizzeria chain isn't much of a deal, see if RetailMeNot has a better deal that isn't being actively promoted in your area, but will be accepted.

Don't let these sites limit your pool of potential retailers, but by all means lean on them if it's where you were planning to shop anyway.

3. Hop off the Groupon bandwagon.

After nearly two years of buying Groupon (GRPN) and LivingSocial deals, it's become clear that buying deals on a whim isn't always the smartest move. (Surely I can't be the only one who impulsively bought a deal for a so-so eatery at the other end of town or a touristy experience that expired worthless. Time flies, even for bargain seekers.)

With a little legwork, you don't have to feel hog-tied to a half-priced spa treatment that you don't need or a Segway tour that you no longer really care about. There are daily deal exchanges cropping up for folks to swap their deals before they expire. In some cases, buyers can get back what they paid for lapsed vouchers in the form of site credit.

But even that's not always an option. So in 2012, vow to think before you get your Groupon on. Every deal isn't a bargain in the long run.

Longtime Motley Fool contributor Rick Munarriz does not own shares in any of the stocks in this article. The Motley Fool owns shares of Amazon.com and Google. Motley Fool newsletter services have recommended buying shares of Google and Amazon.com.

Increase your money and finance knowledge from home

Getting out of debt

Everyone hates debt. Get out of it.

View Course »

What Is Your Risk Tolerance?

Answer the question "What type of investor am I?".

View Course »

Add a Comment

*0 / 3000 Character Maximum


Filter by:
Bobby Dinero

Great tips for NewYear's resolutions. I just had a Groupon expire on me at the end of last month.

Here are a few more tips for you, including enhancing your education by going to MIT for FREE!

January 04 2012 at 10:26 PM Report abuse rate up rate down Reply

Compassion throughout the World for the Creations that continue 2 B knowingly violated and mutilated by EVIL Man
“IS NOT ENUFF” and STOPS Nothing and Satan DOES NOT CARE.
Satan and his Legion MOVE Forward.
And the stage is set for the Party of Christ.

January 04 2012 at 7:30 PM Report abuse rate up rate down Reply

Satan and his Legion raise the anal trident HIGH and performs ********** on his 2 legged PIGGS across the World.

January 04 2012 at 5:09 PM Report abuse rate up rate down Reply

What is a Hunter of OUR WILD animals in 2011?
Frankenstein 2011 and he feeds the Beast that attacks the World and he is sick. And because he is sick, he is treated like a disease by the heavens.
Things WILL NOT get better in U.S. until we put this in the past and move closer to our Spirit. Hunting FEEDS & strengthens THE BEAST and ALL that comes with his Legion. This act stains all innocence on Earth and places the MARK of the Beast on us ALL and U LOST hunter SOUL Have NO RIGHT TO PLACE US AT RISK with the compensation feedback reward we get when the Heavens WALK AWAY FROM US!!!
A hunter is a self possessed COWARD and the worst. He falls in line with the morality of a suicide bomber, sniper. etc. He is a COWARDICE FAILURE IN LIFE. HE AMBUSHES DEFENSELESS ANIMALS OF CHRIST THE WAY OUR SOLDIERS ARE AMBUSHED yet they have a weapon. KILLING ANIMAL’s AS THEY GRAZE IS “PRE-MEDITATED MURDER and they suffer as we would” and you put all of America in jeopardy for your deeds today because we KNOW BETTER. You stain the souls of innocence. YOU FAIL THE TEST OF CHRIST. YOU PROVIDE A SERVICE TO NO ONE EXCEPT YOUR DISTORTED PERSONAL JOY. Food is available at the SUPER MARKET. SO, EITHER STOP IF YOU ARE A HUNTER or take that weapon up against your mouth pallet and fire. Now that’s a Hunter! Following the footsteps of animal butchers Palin & Murkowski does NOT buy America points from the heavens.
Ambushers in Louisiana are allowed 1 Bobcat per Season because IT’s SUCH A Problem. This does NOT buy America points from the heavens. We BOTH KNOW THAT this is a sad & sick solution which IS NOT A SOLUTION! Back to the drawing board!!!! Bobcats are a tremendous cat and like most animals, they hide when they hear us. They want NOTHING to do with us because they know OF US………
After the Great American Wolves out West are placed BACK on the endangered species list, Beast Senators from Idaho APPEAL TO KILL THEM!!!!!!!!!! How low can we GO? Appeal to KILL??? That’s a new low and does NOT buy America points from the heavens. Nope. It was also someones SICK idea IN AMERICA to remove wolves (mold the animal nation) to setup hunting & the MURDER of deer, elk, etc. The slaughter of 500 Great American Wolves opened the door for Satan and the GULF disaster – and Satan who handed his baton to the British Pig BP, has taken OUR Gulf and sea friends. FORGIVE BP & DESTROY THEM in the courts.
EVIL Man does not go too far. ACCEPT CHRIST OR SUCK ON SATAN. Christ wants us to stop the plundering of the Earth (everywhere) & animal pestilence (everywhere); hurting of his wild animals and their habitats and the Earth. Otherwise, Satan works hard to destroy America.
Christ only asks a few things. He does not care about Wall Street or our jobs but if we come through “WE ARE REWARDED”; and it’s a sad ending if we fail to do these things.
Hunting of all wild animals & migratory birds throughout America needs to stop with a proclamation from a Great Leader

January 04 2012 at 1:58 PM Report abuse rate up rate down Reply

Satan Am I,
Am I here because you want me here and U invited me here long ago. Throughout infinity Man truly represents the word “KILLER” the BEST and like NOTHING else throughout infinity. NOT killer Beluga whale or killer mama bear or killer wolf or killer pup coyote. KILLER MAN IS TOPS. Why Do You MuRdER Animals & DEsTROy the EArtH? They are a Creations of XXX. U Do My Work For Me!!! A rare place like this to find in infinity. My Legion prepares for war against the warriors for XXX. There is no other place in infinity where I can walk with so much freedom. Lots of EVIL here. What a super place this is to take. XXX has 3 creations: U and me, animals & Earth. EVIL has always been here with Man, thus, Am I here. But now you attack the planet and the animals of XXX. Crossing over and destroying the other creations. THIS IS MARVELOUS!! YOU DO MY WORK FOR ME. THERE EXISTS NO OTHER PLACE LIKE THIS IN INFINITY. UNIQUE. YOU SHALL ALL BE REWARDED.
I did not even have to TAKE the Gulf. It was HANDED to me. 88 days for 24 hours a day, 20,000 psi, 21 inch diameter pipe. ……… “DEAD SEA”. Drill and drill and drill and drill in water for my blood as my Legion prepares and YOU strengthen MY Legion. Kill & Kill & Kill the animals of XXX and my task becomes simple and my Legion strengthens and strengthens. I PREACH “Patriotism” to my disciples and U carry that slogan well out West to Murder Wolves. SUCH GREATNESS IN America This place. You FILL MY SOUL. Once you take out the animals of XXX and the environmental Earth:
Then YOU are my targets. Finite. YOU are easy and you starve for End Time.
YOU ARE THE PIGS that Worship Me & just today 900 dead pigs in Pennsylvania fulfill me with the amazing CRUELTY that ONLY U CAN PROVIDE. It JUST GETS BETTER EVERY DAY. U take Joy in creating new born. We’ll SO DO THE ANIMALS and U take that away and with weapons and transportation and drilling for oil deep into the chambers of my home!!– This is OUTSTANDING!! THIS IS MY KIND OF PLACE. LIKE NO OTHER IN INFINITY. THIS PLACE WAS CREATED FOR ME and IT SURPRISES ME EVERY DAY JUST HOW CRUEL and SICK YOU ARE HERE. Things that EVEN I COULD NOT HAVE HOPED FOR ON A GOOD DAY. And chasing animals TO DEATH using helicopters. BRILLIANT!! YOU BRING MY LEGION SO MUCH STRENGTH as you follow MY PATH. U murder beautiful natural predators like wolves and replace them with human hunters to obliterate animals because U are sneaky – U all have turned this INTO MY Heaven. How ironic. XXX gave you Heaven to build on with his creations, Earth and the animals, but you came to your senses and have become MY DISCIPLES and every day the way you leave your highways littered like trash with dead animals. As if NO VALUE. THERE IS SO MUCH JOY FOR ME HERE IN AMERICA as you DO NOT focus on what you were supposed to: Love Each other, take care of the Earth and the animals. Instead, you spread hate & contempt for each other, mutilate the animals and plunder the Earth. YOU ALL MUST HAVE READ MY BOOK!!! I LOVE U.

January 04 2012 at 1:56 PM Report abuse rate up rate down Reply

BP Toad
BP World,
Exciting Upcoming Events –
Which path has been written specially for U?
1. Satan & Cast Aways, etc..Shall toy and take care of YOU in SPECIAL satanic FASHION and YOU SHALL BE NEVER more.
(Not for the kids ya know)
& let’s expand a little bit on what happens to your soul at the time of OFFERING. You either go with Satan or Christ or your soul is dissolved and there are countless things that can be done with your soul. If Satan gets it, maybe he decides you reside on Earth as a BP Toad. And that or any other BP Toad COULD BE EATEN BY A SNAKE at ANY time and ALL THAT TIME while that soul is TRAPPED inside the TOAD. But the BP TOAD is Toxic and can use its Corexit and the BP Toad may escape for another day or may not until Satan gets YOUR SOUL BACK again…………………………………How interesting how our past performances may be used!!!!!!!!!!!!!! Outstanding !!!!!!!!!!!!!!!!!!!!!!!!!!!
In fact, MANY past performances are OUT THEIR AS TASTY FliEs & BuGS Today !!!!!!!!!!!!!!!!
Satan likes BUGS
1. You will dissolve yourself. Sell off and take care of your finances and NEVER be more because on a scale of 1 to 10 or any other unit of measure throughout infinity YOUR PERFORMANCE DOES NOT EXIST.
Can ya take a hint?
Are we not clear enough? Should we Speak UP?
Ya really need to pack yer bags BP World – ya know?
Satan will show you how to drill…..
Question: What do you get when you cross BP World with a donkey?
Answer: Well, all we could ever get was a donkey.
Lots of Edgar Casey’s in America. 1000% accurate.

January 04 2012 at 1:55 PM Report abuse rate up rate down Reply

Uh Sorry Bloats
In every culture and even every family there always is a standout – someone that stands out like a sore thumb; someone that is the leader amongst his peers. And the all time leader of the Earth’s Desecration and MURDER of an Ocean of the creations of Christ with toxic poisons exists in Britain and they are known as The BP or BP World Satanic Organization; and That’s the WAY BRIT’s REFER TO IT.
A Beast That EXISTS TO SET OUR BAR OF MORALITY LOWER AND LOWER WILL BE NEVER MORE!!!!!!!!!!!! Make NO Mistake BP – Its yer End Time Baby!
The feedback loop of Love on Earth TAKES YOU OUT – So sorry
These Brits are in their own Class of failure – THEY ARE THE NUMBER 1 WORLD FAILURE OF ALL TIME. There is NO HOOD of goodness ON EARTH THAT CAN COVER THEIR sins or hide their pathetic faces & NO PLACE – Siberia – No NO NO –
Your money will do you no good in the Kingdom of Christ. Dissolve NOW BP & face Your Spirit. Is this the face you want to report to Christ with????
A Star has fallen And Satan has plans for BP World as The Trumpet Sounds:-
“As they ARE ALL found hanging from their own gold watches twisted securely about their necks they ingest from the GENITALS of ALL the whales, dolphin, turtle, pelican and all sea creatures the poison BP gave them to make their babies still born and take away their miraculous lives that Christ promised them”.
BUt SaTAn NoW returns TO THOSE that BRought him OUT of his deep hole in the Gulf, that took the Gulf and the Animals of Christ. In the END Satan comes around to THEIR CALLER and BP World shall NOW BE REWARDED BY SATAN BECAUSE – “IT’S THEIR end TIME & THEY HAVE CALLED FOR HIM”.
YOU ARE NUMBER ONE TARGET OF SATAN; BP and Britain & British Parliament are under a CLOUD Of DoOM by tHe LegiON of Satan & Satan MOVES FAST……You ARE BP or My British Pig because YOU DON’T KNOW WHEN TO FOLD EM. Come HOME TO SATAN mama!!!! My arms are open wide as U JUMP INTO THEM. So SWEEEEEEET!
Whew – Baaaaaaaaaaaaad News BP World – (Tea Break won’t help)
BP Response – Uh – oh – well ya know – uh – just sorry bloats.
Could have happened to any one in drilling THAT IS NOT QUALIFIED TO DO IT, LIKE the Monty Python Drilling Corporation.
It will be OK in 100 years or so.
Uh yeah – just sorry bloats – uh yeah – uh
“They were just fish and birds and ocean stuff – I mean we massacred MILLIONS – so what? Like an animal holocaust out there and underneath – nothing left – guess we can drill for more oil then”
Uh – yeah – sorry bloats
Lots of Edgar Casey’s in America – 1000% accurate

January 04 2012 at 1:55 PM Report abuse rate up rate down Reply

BP World,
Mushroom Clouds for BP
In the Courts or out BP?
You pick your poison?
Will it be Corexit?
We sit here in the Armed Services and we have received millions of letters from Americans asking that we NUKE BP. It’s pretty obvious what the America public wants or The Majority of the United States of “Americans” wants this Company to GO AWAY & quickly. As we know America cannot Nuke them, but we have no opposition to Russia or China UNLOADING. How bout it?
You have the Coordinates of BP. Just a little to the left.
199 of those SLBM’s for BP & 1 for the British Parliament “because you are SO DETACHED FROM Morality”. Satan will create his hole on British ground, just as BP IGNORANCE drilled into the hole of Satan in the United States Gulf.
British Parliament - Your detachment from Morality to do the Right thing & You know what that is but YOU CHOOSE GREED & EVIL & YOU FEED THE BEAST!!
This failure is IMMEASURABLE ON THE SCALE OF INFINITY & human morality -
All of Britain is exposed to Satan and YOU are his target NOW. It’s just the way it works.
From the horrifying screams of our Pelicans, Dolphin, Whale & Our Sea……….etc to the eerie silence within our United States Gulf –
100 Years of Recovery -
When Satan HAS YOU IN HIS SIGHTS………………………………….
Satan will baste YOU in Hot Oil & Corexit and then RIP YOUR HEARTS OUT AND IMPRISON YOUR SOULS FOREVER.
Many Edgar Caseys in America – 1000% Accurate

January 04 2012 at 1:55 PM Report abuse rate up rate down Reply

BP Death Watch
The clock arm strikes 1 minute to midnight for the Death of the British Pig World.
The denigrations will CONTINUE throughout the Internet & the BP Death Spiral until the British Pig is DEAD.
Satan aims his black wrought iron serpentine trident at the hearts of his disciples.
The British Pigs scamper NOW, to retain ANY assets they can get their hands on.
CHAOS IS IN British Piggsville.
The KINGDOM of Christ and all ITS GLORY HAVE REJECTED THE British Pigs.
The syphilis, gonorrhea and all that the PigS have spread to their inbred families from incestual, adulterating, sodomizing relationships and NOW their adulterating STD poison gets mixed with corexit as Satan mixes and stirs their HOT OIL Bath FOR THEiR RECePTION INTO SaTANS WoRLD.
In Heaven, the Proud animals of the Earth and Gulf are EMBRACED BY CHRIST’s Kingdom with LOVE unknown TO THE BRITISH PIGS. IT’s called UNCONDITIONAL LOVE. Something that Satan WILL Taunt YOUR SPIRIT with BECAUSE YOU WILL NEVER SEE IT. AS ALL THE HeaVENs have turned away from the British Pig, that same Energy of Compensation, of that feedback loop is focused on the British Pig by Satan and Cast Aways.
It DID NOT have to be this way. You either ACCEPT CHRIST OR YOU SHALL SUCK ON SATAN.
There are many Edgar Casey’s in America. 1000% accurate.

January 04 2012 at 1:54 PM Report abuse rate up rate down Reply

ToTal ResTorAtion
And NOW America – The Death STROKE of MIDNIGHT; TIME moves backward, for the British Pig BP, BUT THE WORK OF Satan MOVES FORWARD. Sunday February 27, 2011, The Lords Day.
Those of us who WoRk IN THE GULF with the restoration, know it will be 100 years (at least) before the Gulf life cycle without DNA imperfection, will resume. WE KNOW!!!!!!!!!!!!!!!!!!! And so does America & the World. Scientists AROUND THE World Know the GriM findings in The DeEp.
And the part and MoST important to OUR restoration is the healing of the American SOUL for these sinful deeds THAT HAVE STAINED US ALL and our young children EVERYWHERE. Our sea Animals & birds were innocent and many are sick and many have died from a toxic poison brought to you by Satan.
And That cleansing and restoration comes with the dissolving of the British Pig and this is CALLED TOTAL RESTORATION & The Heavens rejoice. BP TOOK the baton handed to them by Satan after 500 of Americas Greatest Wolves were MURDERED.
Take the Pigs down to NO size US American Justice. The way the coral beds, marshes, tube worms and all the Beauty of OUR US Sacred Ocean have been taken down.
The volume of the Deep Gulf was saturated with poison well before 88 days as we all know. The rest was icing for Satan. Little or no oxygen and radioactive too leaking from chambers deep beneath the Gulf ; but none of this is new.
Total Restoration for
 The Kingdom of Jesus Christ Our Savior
 The suffering the Gulf and its LIFE continue to fight through –
 The suffering of our sea turtles, dolphins, whales, flocks of birds, etc, as they all hemorrhage, convulsions, vomiting, seizures, all organs failing (as would we) and went blind and they cry and they moan and reach out to Man, but there is NO DOCTOR. They MUST SUFFER ALONE and the sheer arrogance to drill through their watery home into a depth that was CRIMINAL by the BRITISH Pig.
 American Lives Lost.
 Earth and its Harmony. Our Earth DOES NOT WANT BP TOUCHING IT “EVER” and Watch as the British Pig falls – watch as the dominos fall – A star of Satan falls to Satan. # 1 Pig Eats British Pork and BARBECUE too!
Count your petty dollars British Pig. Satan HAS HIS LEGION ON U!!!!!!!!!!!!!!!
And THIS WILL HURT – The reflex of the Earth and Intensity of the vibrations based UPON THE ACT – its like Tarzan calling out for the Elephants – just listen British Pig Imbociles
Satan has plans to EXPERIMENT with Corexit ON U – British Pig.
Satan will SHOW YOU HOW TO DRILL……………………………………………………………………………
Satan FIRST had his Glory Posting all over the world his poison spewing into the Gulf 24 hours a day, killing & killing & killing
And Next Satan had his Glory “Taking the United States Gulf and all it’s glory”

January 04 2012 at 1:54 PM Report abuse rate up rate down Reply