As a new calendar year approaches, we all have ambitious saving goals for the new year. As we all deal with the mental and physical stress of lockdowns from the Coronavirus pandemic, many of us will also face additional financial stress struggling to save money to achieve our future goals or just to merely survive these difficult circumstances. Some may be saving for a mortgage to buy your first home. Others saving to send your kid (or yourself) to college. Whatever your goals, making simple lifestyle changes make a tremendous difference.