I ran across an article on UKFCU’s Advice and Education page which talked about February being a good month to reset your spending cycle. Did you know that your spending has different patterns? They may be summarized as:

• Living paycheck to paycheck
• Using debt to support your lifestyle
• Saving what’s left over at month’s end (there never is any)
• Pay yourself first

Some people never get beyond the first one or two cycles, but the latter one works best. More information can be found here.