* 1. While it might seem far away now, it won’t be long until the New Year - a time when many choose to set out resolutions to either set aside bad habits, or commit to better behaviors.

Will you make any New Year’s resolutions this year?

* 2. Will your New Year's resolution(s) involve savings?

* 3. Will you save more in 2014?

* 4. any other comments? this is anonymous, after all.

* 5. Got a question you'd like us to ask readers?

* 6. Got someone you'd like us to add to the ASEC newsletter distribution?