ZERO TO DOWN PAYMENT

January is full of excitement and promise, but reality says most people fall short of the #newyearnewme goals they set. A packed gym turns into rows of empty machines by February, and your savings account may see similarly dwindling visits. Let's talk about how to beat the odds and carry your money-saving resolution all the way through to next New Year's Eve (and beyond!). 1. Give up the expectation of perfection. If saving money was a natural habit in your life, you wouldn't