While many of us use the New Year as a way to launch new habits for health and physical fitness, the one resolution every one of us should make is to take charge of our financial fitness.

With the holidays behind us, those bills come rolling in and so does the stress.  Every year most of us are faced with the same, not so fortunate position of owing money.  Unless paid for in cash, regardless of how much or how little you spent, once it was charged, it is now your debt.  It's time for some financial management 'boot camp'.