PAY DOWN CREDIT CARDS, SIMPLIFY FINANCES, SAVE MONEY, PACK A LUNCH

Hope so. But if you've already broken some of those resolutions, here are some resolutions for your ``financial health.'' And hopefully these will be a bit easier to keep -- while in many cases, saving you money. • Pay more than the minimum due on your credit card. If you're struggling to pay your credit card bills, Jay Seaton, area president for Consumer Credit Counseling of Northeast Ohio, suggests paying anything more than the minimum payment. ``Then you're getting a little bit ahead. I think people don't have a full understanding of what wealth creation is about. If you're reducing debt, you're on your way to building wealth. It doesn't always take money to make money. If you're moving toward zero, you're moving toward the positive,'' he said.

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