Have you started your New Year’s resolutions yet? So maybe quit smoking or lose 10 pounds is on your list but do you have any retirement resolutions? Today’s article features ten that you may want to look into. Here’s one, “Find painless ways to cut expenses. If you are spending too much, the new year is a good time to identify areas to make cuts. “A great way to do that is to itemize your monthly expenses, categorize them as essential and nonessential and make saving an essential line item,” Schwab-Pomerantz says. “Look at 2014, study the buckets of money where you spent and look for areas where you can cut back, so you can increase the saving line item.”” To see them all, CLICK HERE.