Welcome to the Smarter Living newsletter. Editor Tim Herrera emails readers once a week with tips and advice for living a better, more fulfilling life. Sign up here to get it in your inbox every Monday morning. Though there’s never a wrong time to get your finances in order, a new year is the perfect excuse to take a deep look at your relationship with money. Whether you’re just starting out in your career or you’re nearing retirement, below is The Times best financial advice from this year on earning and saving more money and, more important, deciding what to do with all of it.

Save a little extra money every week

No, cutting out that indulgent, extra-fancy coffee once a week won’t make you a millionaire, but those small savings truly do add up over time. Find where you’re nickel-and-diming yourself, then see what you can stand to eliminate. Read more »