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?