The three most common things people make resolutions about? Food. Exercise. Money. This is no doubt because most of us did too much of the first, not enough of the second and blew the third out of the water over Christmas.

If you’re determined to get your financial s#@t in order this year, we have good news. Mamamia is going to be running regular content about money, how to make more of it and make the most of what you already have.

In today’s first post by our new financial guru Penelope Joye*, she imparts some invaluable advice for 2011.

Penelope writes…

What’s your biggest money issue? Got plans to change your ways this year?