Links:
[1] http://www.realsimple.com/work-life/life-strategies/ways-to-say-no?xid=rs-popsugar
[2] http://lifehacker.com/five-resolution-alternatives-to-start-your-new-year-off-1790691103
[3] http://www.wisebread.com/5-modern-ways-to-split-the-bill?ref=car
[4] https://thebillfold.com/its-easy-to-go-on-a-money-fast-if-you-re-full-3f0d08ac850e#.hge9jpk9d
[5] https://www.learnvest.com/2017/01/how-to-set-money-resolutions-you-can-actually-keep/
[6] http://www.purewow.com/money/things-that-go-on-sale-in-january/?utm_source=synd&utm_medium=POPSUGAR&utm_campaign=smartliving
[7] https://www.creditsesame.com/blog/stats/8-ways-to-get-smarter-with-only-5-minutes-every-day/
[8] https://www.dailyworth.com/posts/3556-5-ways-to-make-saving-feel-fun