The combination of holiday spending and New Years Resolutions makes it easy to see why January is Financial Wellness month. The beginning of the year is often the time that people take a look at their spending, try to determine their goals for the year and set saving plans to achieve them. But financial wellness is not just about money. Being financially healthy is a critical piece of your overall wellness. Financial health is defined as the dynamic relationship of one’s financial and economic resources as they are applied to or impact the state of physical, mental and social well-being. There are many facets to your financial resources including: amount of savings, how much you’ve put aside for retirement, debt to income ratio, ability to earn money and how much of your discretionary income you spend. These resources combined determine your financial health, the state of which directly affects every area of your overall wellbeing.