As this New year is fast approaching, I am reviewing my resolutions from 2010. My one unaccomplished resolution from last year must be added to the top of the 2011 list. 2011 resolution #1 is to pay off all debt and to create and emergency fund. Bottom line, I need to be WAY more fiscally responsible. This will require me to cut out any unnecessary spending and to pay for allpurchases using CASH ONLY! What if any resolutions have you made or are you making this year? Please share, or do you think the practice of creating resolutions is silly, let me know what you think.