There’s something to be said for shrewd budgeting. It’s something no one wants to do, but if done correctly, can set you up for the rest of your life. Introduce John Steinert, 25, who has taken every aspect of his life and turned it into a comprehensive monthly budget. “I wanted to know where my money was going every month,” he says. “I wasn’t tracking spending, and I wanted to save as much money as possible, so I thought the best way to do that would be to analyze how much I make every month.” He even goes so far as to post his budget on his website, free for anyone to download. Set yourself up for 2015 and budget responsibly. New year, new me. Wouldn’t it be great for that new you to also be debt free?