Getting financials in order is the New Year's resolution for many, but it's often hard to find a place to start. 

Connie Miller with the DeWitt Savings Bank explains that for many, the beginning of the year is a time to tighten things up and recover from the spending of the holiday season. She says before you can start growing your savings, you have to figure out where you are at. 

Tracking your spending can be a tough task between bank statements, paper receipts, and online order confirmations. Miller says there are plenty of online services and apps that can help with this, and while they may require a subscription, often times the savings pay for themselves. 

AI can also be a useful tool in creating a budget, as it will help you format and understand where you could be cutting expenses and increasing savings. 

Miller indicates that creating a plan is the most basic and essential part of budgeting and saving, and sticking to that plan as closely as possible.