It's after the holidays. We're all tired of finding little bits of wrapping paper stuffed in between the couch cushions. The kids are already bored with their presents. We just found Uncle Leo's spare set of dentures behind the toilet. On top of it all, we're broke.
Like a bad hangover, we're emerging from the holidays vowing to change our ways and never do that again.
The first step: find more money.
People are cutting costs wherever they can. Nearly 700,000 people cancelled cable in Q4/2013. Pay as you go phones are replacing expensive wireless contracts and seldom-used landlines. Memes like the "52 Week Double Money Challenge" have spread like wildfire through social media. And the public's demand for deals caused massive waves through the 2013 holiday shopping season.