Resolutions: Use these three steps to set up a budget

Source: Eileen Aj Connelly, Associated Press

One of the most popular New Year's resolutions is to get on a budget and stay there. Yet many people don't accomplish even the first step. Just 58 percent of Americans track their spending against a monthly budget, according to a Bankrate.com survey. Want this year to be different? You'll have to commit some time to analyze your current spending in order to find ways to fine-tune it, and some time to track your progress and make adjustments. Here are three steps to get you started:

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