Make your money count - consider where your money has gone over the past year or so. Are you happy with how and where you're spending it? If not, make some changes in 2022. That could mean shopping more at local small businesses, cutting out massive retailers like Amazon or looking into sustainable investing . No, your personal expenditures aren't likely to change how the entire world operates. But in many ways, your dollars are your voice. Exercise them with care.

• Cut down your expenses - Another way to save a little and ensure you're spending on what's important to you is to rank your expenses. Consider the money you'd save on those expenses, and what it would look like to put it toward one of your goals instead.
• Stop...