Are you looking for a few ways to save some money this upcoming year? If so, you might want to make a few money-saving New Year’s resolutions that will be sure to help you stretch your dollars further. Here are some New Year’s resolutions for you to consider making this year that will help you stretch your dollars further:

· Pay extra on your mortgage – paying just $100 per month on a $200,000 mortgage, 30-year mortgage will allow you to pay it of 5 years early while saving more than $63,000 worth of interest over the life of the loan. Every little bit helps when it comes to paying your mortgage off early.

· Get rid of credit card debt – working on reducing your credit card debt can potentially save you thousands of dollars in the long run.

· Transfer debt to low-interest credit cards – if you absolutely must carry debt on a credit card, look for one that offers a lower interest rate. Transferring a $2,000 debt from a credit card with a 18% interest rate to one with a 8.25% interest rate will help you save more than $700 by the time you pay down the debt through minimum payments.

· Track your expenses – keeping track of your expenses or a month is a great way to see where all of your money is going so you can identify ways to trim the fat.

· Enroll in a flexible healthcare spending plan - flexible healthcare spending plans allow you to pay for prescriptions, co-pays, over-the-counter medications and more with pre-tax dollars.

· Use coupons – it may seem tedious, but clipping coupons can help you save a significant amount of money in the long-run.

· Make your home energy-efficient – even small things such as adding more insulation to your attic, sealing your windows and doors with weatherstripping and switching to compact fluorescent bulbs can go a long way toward reducing your energy bills.

· Eat at home – while dining out is certainly convenient, those bills add up quickly. Try to limit yourself to eating out only once per week and work on collecting recipes that are quick and easy to make at home.

· Look for tax savings - hiring a professional tax accountant or using tax software will help you find all of the deductions and credits you are eligible to receive so you can save some money on tax day.

· Modify insurance policies – many of us put our insurance policies on auto-pilot after we take them out, but doing things such as combining your home and auto insurance, raising your deductible and reducing coverage can help you save money without putting yourself at risk.

If your New Year’s resolution is to start saving money, these tips will help you go a long way toward achieving that goal. In fact, you will likely find that achieving a New Year’s resolution has never been so easy once you implement these money-saving tips!