The first week of January is the best time to look at your money honestly, and it does not have to feel scary. This free New Year Money Reset walks you through three simple questions: what did I spend, what did I keep, and what am I changing?

Use it right here in your browser, where your answers save automatically on your device, or download the one-page PDF and fill it in with a pen. Either way, it takes about 20 minutes.

How to use the New Year Money Reset

• Fill in your year in numbers: what came in, what you spent and what you kept.
• List your top five places your money went and one spend you regret.
• Write down your wins, then choose what to start, stop and keep.
• Set three money goals and work through your first 30 days checklist.

Next step

Your next step: Put a date on your calendar this week to finish the reset, then browse the free printables page for more trackers and printables. Still getting through the holidays? Start with the Christmas Spending Tracker.