I seem to always start the New Year with lofty savings goals… and then when I haven’t even made a dent by February, I usually get frustrated, binge eat two containers of those Target sugar cookies with the fluffy icing, and throw my savings goals out the window. So this year, I decided to jump start my 2019 savings with some creative, yet completely effortless, approaches in December – and I actually ended up making $232.96!