Even small changes—like skipping one dinner out a month or setting aside $50 from each paycheck—can add up to over $1,000 in savings by the end of the year. Birmingham residents are feeling the pinch after the holidays, but financial expert Jim Sumpter says the real game-changer is building habits, not making huge sacrifices. Watch out for sneaky costs like unused subscriptions or missed gift returns, and tackle credit card debt one card at a time. What’s one money habit you’re hoping to start (or stop) this year? Let’s swap ideas and support each other’s goals! #Business #MakeMoney #Birmingham