ST. LOUIS — It’s a new year so hopefully you’ve paid off credit cards from the holidays and are able to start a savings plan to keep those financial resolutions. Here to help is Lauren Greutman, author of The Recovering Spender and savings expert.

So, why is February a good time to start a savings plan? Lauren explains that this is the time when a lot of people are coming off of their holiday spending and dropping their New Year’s resolutions. She says that it really is all about setting a budget and sticking to it.

Winter is in full swing and many are looking to escape the cold! Lifestyle Expert and host of the syndicated radio show Passport Mommy, Michelle Jerson, is here to help. Michelle starts by saying that she loves cruising. It is great for singles, couples, or families.

Lauren then talks about Nimbl, an app that helps you pay down your debt based on your lifestyle. Learn more at www.nimbl.nationwide.com. She also recommends setting money aside in a savings account. Lauren likes SmartyPig, www.SmartyPig.com, and recommends setting money aside for a specific goal.

A good cash back program is the Unlimited Cash Back Bank Account from Green Dot Bank. Learn more at greendot.com.

For families, Lauren recommends cutting back on your food budget.

For all of this and more visit TipsOnTv.com.

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