Many people hope to start a new life on January 1: for example, go to the gym, quit smoking and get their finances in order. We are all for the gym and against cigarettes, but the advice from the Internet is unlikely to help. But with finances you can try. Latvian portal Delfi Bizness offers 23 ideas on how to take control of expenses and increase income.What’s inside: how to spend less; how to get more; what to do in case of crisis and how not to lose money foolishly.