Queen of free: 5 ways to save in new year

The confetti has settled. More than likely, the Christmas decor is packed neatly away, awaiting next year.

The kids have returned to school, and vacation days feel far away in the cold future. Maybe you’ve even already broken a resolution or two.

Don’t give into a winter of despair. There still are plenty of full days in 2014. There is debt to be conquered and money to be saved.

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