January is often the ultimate test of our financial discipline—or a reminder that it’s time to work on it. After the holiday spending spree, many of us start the year shouting, “New Year, New Me,” only to find ourselves back in “New Year, Same Survival Mode.”
Now that payday is finally here (or just around the corner), the big question is: What’s the first thing you’ll do with your January salary?
Will you prioritize savings, clear outstanding debts, or treat yourself after surviving the longest month of the year? Let us know in the comments!