There are two general attitudes about saving money. The first is that it’s frustrating, restrictive, a hassle to have to worry about a dollar here and a dollar there. The second is that finding bargains, adding to savings and living well for less can be a fun game that you can frequently win. Guess which attitude best serves your bank account? Truth is, having an eager, positive attitude about smart money management is more than half the battle. Apply that spirit to the advice below, and you will make 2020 a year in which your financial health grows and grows.