The New Year means New Year’s resolutions, many of which will be made financially. Iowa State Investment Officer Joe Cunningham says that if you’re looking at starting anew in 2012, there are a few things you can do. First, Cunningham says to actually look back at 2011. He says you should look at what you spent and put together a budget based on those numbers, cutting where you can if necessary. He also says to make sure you pay yourself. He comments that 10% of your paycheck is usually a nice number to build a slush fund in case of emergencies.