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Spend Less, and Smarter, in 2021 Last year we were just trying to roll with the punches. Hopefully now we can apply some of those survival skills to our finances. Credit.Ka Young Lee Jan. 2, 2021 For many people, 2020 was not a year for saving money. Even those who remained employed suddenly found themselves shelling out for unforeseen expenses: A used car because public transport suddenly seemed unsafe. A salary for a pod tutor to help their children with remote learning. Subscriptions to multiple streaming services to make life at home more tolerable. And that’s the best-case scenario. Spending choices were more fraught if you or yours lost a job, fell behind on your rent or mortgage, or endured a health bill. Congress passed a sweeping stimulus bill (and a second) to help, but the influx of cash and debt relief also provoked a sense of whiplash: money coming in and money going out at uncertain times, and in unknown amounts.

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