With a new year and everyone making New Years Resolutions (some of them finance-related, I hope!), I figured it might be fun and useful to find out what changes to the way you manage your finances you are planning on making for 2010?

Here are 2 that I'm making:

1) More fine-grained budgeting

I've never been that great at budgeting, and even now I tend to do it at a really high level - ie, only 6 or so categories with a lot of leeway. I'm hoping to better track all of my expenses in order to get a better idea of where I can save money. It is really hard to save money without knowing where it all is going!

2) Better use of savings accounts

I used to be really good about keeping tabs on the best interest rates being offered and made the most of my deposit accounts. The past few years I've been a little lazy and have left most of my money in poorly-yielding checking accounts, costing me hundreds of dollars in lost interest. I'm going to find a good bank that pays a good yield and stick most of my money in there. This requires better budgeting since I won't have a huge chunk of cash sitting in my checking account, but that is probably a good thing!

Anyway, I'm interested in hearing what your tips are!