— Give up expensive habits
We've written about how a daily $3 latte is really a nasty four-figure habit, and how easily the $7 sandwich you eat for lunch at work adds up to about $1,700 a year. Evaluate your spending habits, even those that aren't "sins." Should you buy a sandwich every day when you can bring a lunch and save hundreds of dollars? Most habits are formed from laziness, not necessity. Plan ahead, brew your own coffee and see the savings add up in 2013.
THE BOTTOM LINE: Being frugal is a virtuous lifestyle choice, and one that will pay off in the long run. If you implement good habits and start making small changes, you'll see your bank account grow in 2013.