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With the new year, it's time for resolutions. Many people will be resolving to diet and exercise, to learn a language, or to read more often. But you might be resolving to be better with your finances. This is a complicated area that differs from person to person, but there are still a few guidelines that can help you with your new resolutions.

1. Start budgeting by recording what you spend within a month.

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Use this time to take a step back and examine what you're spending where. You can wait a month or a pay period and record what you spend to get a baseline. Or you can pour over your past recents and bank records to see the big picture. This step will be very helpful when you start determining your personal budget. Knowing your fixed costs allow you to determine your discretionary spending limits.

2. Be prepared to adjust your budget within the first month or two.

This really goes for all kinds of resolutions. Most people set their sights a little too high and become discouraged when they're not reaching their goal. Don't expect an immediate, drastic change. Instead, ease into your new spending habits. Weaning yourself off of your old budget will allow for a much smoother transition. Setting more realistic and flexible expectations will also make it that much easier to stick to your new budget throughout the entire year.

3. Make room for unexpected bills or sudden changes in income.

However, not all costs remain the same. You might have an unexpected car repair or medical bill. You also could experience a change in your employment status. You never quite know what life is going to throw at you. This is why you should build in some financial padding if you're able. Having an emergency savings account will help you out in a pinch when an unexpected bill appears.

4. Plan for the holidays and other big events all year long.

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While the unexpected really can't be planned for, there are some things you can anticipate. This includes the holiday season and other big events like family reunions. There's no reason these things should be a surprise to your finances. For Christmas, set aside as little as $10 or $20 a month and you'll have a built-in gift budget. Same goes for any other big events that you know are arriving. Make room in your budget to save specifically for these if you know you're going to be spending during those months.

5. The easiest budget is saving a set percentage of each check.

If you don't want to have to think too hard about your budget, decide on a set percentage and stick to it. There's a rule that you should save 10 percent of your check for retirement. There is also the popular 50/30/20 rule, which says that you should save 20 percent of your income. Figure out what percentage will work best for your income and stick with it. That money will add up more quickly than you think.

6. If you want more specific saving goals, try the envelope method.

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If you're looking for a more specific budget, you can try the envelope method. This method involves you setting specific categories for every area of your life. A basic version would include rent, groceries and entertainment. You can break these down or add as many categories as you like. For each category, you set a specific spending amount you're allowed every month or every pay period. It's usually recommended that you do this budget all in cash, but it can definitely be done digitally or with pre-paid visa cards. This method can be very rigid but will definitely help you stay on track.

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Over the past month, both Haiti and Afghanistan have been pummeled by tragic disasters that left devastation in their wake.

In Haiti, a 7.2 magnitude earthquake erupted, leading over to 2,189 deaths and counting. A few hours later, in Afghanistan, Kabul fell to the Taliban just after U.S. troops had pulled out after 20 years of war.

In many ways, these disasters are both chillingly connected to US interference. The United States invaded Haiti in 1915, ostensibly promising to restore order after a presidential assassination but really intending to preserve the route to the Panama Canal and to defend US creditors, among other reasons.

But the US forces soon realized that they were not able to control the country alone, and so formed an army of Haitian enlistees, powered by US air power and intended to quell Haitian insurrection against US controls. Then, in 1934, the US pulled out on its own, disappointed with how slow progress was going. Haiti's institutions were never really able to rebuild themselves, leaving them immensely vulnerable to natural disasters.

Something similar happened in Afghanistan, where the US sent troops and supported an insurgent Afghan army – only to pull out, abandoning the country they left in ruins, with many Afghans supporting the Taliban.

In both cases, defense contractors benefited by far the most from the conflict, making billions in profits while civilians faced fallout and devastation. While the conflicts and circumstances are extremely different and while the US is obviously not solely to blame for either crisis, it's hard not to see the US-based roots of these disasters.

Today, in Haiti and Afghanistan, civilians are facing unimaginable tragedy.

Here are charities offering support in Afghanistan:

1. The International Rescue Committee is looking to raise $10 million to deliver aid directly to Afghanistan

2. CARE is matching donations for an Afghanistan relief fund. They are providing food, shelter, and water to families in need; a donation of $89.50 covers 1 family's emergency needs for a month.

3. Women for Women International is matching donations up to 500,000 for Afghan women, who will be facing unimaginable horrors under Taliban control.


4. AfghanAid offers support for people living in remote regions of Afghanistan.

5. VitalVoices supports female leaders and changemakers and survivors of gender-based violence around the world.

Here are charities offering support in Haiti:

1. Partners in Health has been working with Haiti for a long time, and they work with the Department of Health rather than around them, which is extremely important in a charity.

2. Health Equity International helps run Saint Boniface Hospital, a hospital in Haiti close to the earthquake's epicenter.

3. SOIL is an organization based Haiti, "a local organization with a track record of supporting after natural disasters." They are distributing hygiene kits and provisions on the ground to hospitals and to victims of the earthquake.

4. Hope for Haiti has been working in emergency response in Haiti for three decades, and their team is comprised of people who live and work in Haiti. They focus on supporting children and people in need across Haiti.

via Tiffany & Co.

When the new Tiffany's campaign was unveiled, reactions were mixed.

Tiffany's, the iconic jewelry brand which does not (despite what some might be misled to believe) in fact serve breakfast, featured Jay Z, Beyoncé, and a rare Basquiat painting in their recent campaign.

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Road trips can be a lot of fun — but they can also drain your wallet quickly if you aren't careful.

From high gas costs and park admission fares to lodging and the price of eating out every night, the expenses can add up quickly. But at the same time, it's very possible to do road trips cheaply and efficiently. Without the headache of worrying about how much money you're leaking, you can enjoy the open road a whole lot more. Here's how to save money on a road trip.

1. Prepare Your Budget, Route, and Packing List in Advance

If you want to save money on a road trip, be sure you're ready to go. Try to count up all your expenses before you hit the road and create a budget. It's also a good idea to plan your route in advance so you don't end up taking unnecessary, gas-guzzling detours. And finally, be sure to pack in advance so you don't find yourself having to buy tons of things you forgot along the way.

2. Book Cheap Accommodations — Or Try Camping

All those motel rooms can add up surprisingly quick, but camping is often cheap or free, and it's a great way to get intimate with the place you're visiting. You can check the Bureau of Land Management's website for free campsites. Freecampsite.com also provides great information on If you don't have a tent or don't want to camp every night, try booking cheap Airbnbs or booking hotels in advance, making sure to compare prices.

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If you're planning on sleeping in your car, a few tips: WalMart allows all-night parking, as do many 24-hour gyms. (Buying a membership to Planet Fitness or something like it also gives you a great place to stop, shower, and recharge while on the road).

3. Bring Food From Home

Don't go on a road trip expecting to subsist on fast food alone. You'll wind up feeling like shit, and it'll drain your pocketbook stunningly quickly. Instead, be sure to bring food from home. Consider buying a gas stove and a coffee pot for easy on-the-go meals, and make sure you bring substantial snacks to satiate midday or late night cravings so you can avoid getting those late night Mickey D's expeditions.

Try bringing your own cooler, filling it with easy stuff for breakfast and lunch — some bread and peanut butter and jelly will go a long way. Bring your own utensils, plates, and napkins, and avoid buying bottled water by packing some big water jugs and a reusable water bottle. Alternatively, try staying at hotels or Airbnbs with kitchens so you can cook there.

4. Avoid Tolls

Apps like Google Maps and Waze point out toll locations, so be sure to avoid those to save those pennies. (If it takes you too far off route, you might have to bite the bullet and drive across that expensive bridge).

You can also save on parking fees by using sites like Parkopedia.

Road Trip Road TripThe Orange Backpack


5. Save on Gas

Gas can get pricy incredibly fast, so be sure that you're stopping at cheap gas stations. Free apps like GasBuddy help you find the most affordable gas prices in the area. Also, try going the speed limit on the highways — anything faster will burn through your tank. Be sure that you don't wait till you arrive at touristy locations or big cities to fill up.

6. Get a National Park Pass

All those parks can get really expensive really fast. If you're planning on visiting three or more parks, it's a great idea to get an America the Beautiful National Parks Pass. For $80 you can get into every National Park for one year.