INDIANAPOLIS (CONSUMER REPORTS) — If saving money is one of your New Year's resolutions ... If the cost is higher than expected, threaten to cancel and ask for a discount. There are tracking tools ...

In other words, create systems and rules that encourage positive money-building habits. But companies have devised ways to make it easy to sign up for a monthly box subscription but have put barriers ...

It should be as easy to cancel a service as it is to subscribe ... finance accessible and address taboos of talking openly about money, including debt, investing, and saving for retirement.