I want to have a great start next year that’s why I want to end 2011 in a good way.  I wish that 2012 will become a financially rewarding year for me. I promise myself that I will be wiser when it comes to my finances. I will be more practical when buying stuff, no more impulse buying! As much as possible, I won’t incur any unnecessary debt. I will be satisfied with the things that I already have. I admit I often think that I don’t have anything to wear, but when I look into my closet, there’s a lot of choices. I will learn to recycle and re-use whatever I have to minimize my spending. Most of all, I will learn to save money.