This is the perfect time and opportunity to make a difference in your life. So, what is your goal? Wait! Before you even state it, let’s ensure that you are fully equipped with the ability to stick to it this year. If you’ve had any difficulty following through with your resolutions in the past, this year, your primary resolution should be to stick to your resolution once and for all!

Right now consumers are under siege. From high unemployment to rising food and utility costs, consumers are just barely able to keep their heads above water.

Well, here is another issue to add to the list. Pre-paid debit cards are the fastest growing form of electronic payment in the nation. Federal Reserve data shows that prepaid card transactions have grown more than 20 percent between 2006 and 2009.

These cards may seem like a great idea to individuals with little or no credit history or those who have difficulty obtaining traditional credit cards. But be wary, these cards come with fees that basically charge you to use your own money.

Face magazine premieres the first in a series of articles that will help you get your money right in 2012. From building a financial nest egg, the best credit cards to have to taxes; personal finance contributor, Jennifer Streaks will give you a fresh financial start in 2012!