Who wants to end 2012 even better financially? You need more than just a “that sounds like a good idea” attitude to make that happen. So let’s not waste anymore time, shall we? Here are three actions you can take now — before we even hit 2012 — to end next year with a better balance…

If you want to save, some discipline is involved. Maybe not even some, but a lot. MSN Money runs through some bad habits that can slow your savings’ growth. Spending without a budget. Carrying a balance on credit cards. Ignoring interest rates. Not investigating disability insurance. Failing to see how little purchases add up. Not matching employer’s contribution to retirement. One…

Bringing your lunch everyday instead of eating out will save money — that’s a common known fact. However, Clever Dude took the analysis one step further and broke down the cost of each portion of a lunch for a week. The total cost savings extrapolated for a year is very impressive: Monday Lunch PBJ…