According to a survey by TD Ameritrade, 63% of Americans plan to improve their personal finances in 2010. As a result, Money HabitudesTM have taken steps to make a new life in control of finances possible. What is the first step? Examine your attitudes and habits in your money life. Do you spend impulsively and buy things that you don't need? Take time to reflect on how you go about spending and talk about it. Read More.