With a new year, you have a new opportunity to take charge of your money, your career and your future.
In the spirit of financial resolutions, star of ABC's "Shark Tank" and billionaire technology entrepreneur Mark Cuban gives CNBC Make It three pieces of advice to see your bank account flourish in 2018.
Step one in Cuban's playbook: "Don't use credit cards," Cuban tells CNBC Make It.
"If you use a credit card, you don't want to be rich," Cuban writes in a 2008 blog post.
It was a lesson he learned the hard way. "I would charge something and think I would be able to pay it off and then not be able to. I can't tell you how many credit cards I had ripped up," he tells Money.
"[T]he 18 percent or 20 percent or 30 percent you're paying in credit card debt is going to cost you a lot more than you could ever earn anywhere else." On average, credit cards charge 16.7 percent interest, according to Bankrate.com.
Fellow "Shark Tank" investor Robert Herjavec agrees.
"When I was young, I would carry a balance on my credit card," Herjavec tells CNBC Make It. "My advice — pay off your credit cards every month and therefore pay no interest. Credit card interest is probably the most expensive loan you could ever get."
"Be a smart shopper," Cuban tells CNBC Make It.
"You will quickly find that the greatest rate of return you will earn is on your own personal spending," he writes on his blog.
"Save your money. Save as much money as you possibly can. Every penny you can. Instead of coffee, drink water," he writes. "Instead of going to McDonald's, eat mac and cheese."
Cuban's "Shark Tank" co-star Kevin O'Leary takes a similar tactic. He refuses to spend $2.50 on a cup of coffee.
"Do I pay $2.50 for a coffee? Never, never, never do I do that," O'Leary tells CNBC Make It. "That is such a waste of money for something that costs 20 cents. I never buy a frape-latte-blah-blah-blah-woof-woof-woof for $2.50."
He makes coffee at home, and puts his savings to work in the stock market.
"I drink coffee, one cup every morning," he explains. "It costs about 18 cents to make it, and I invest the rest."
That means investing in an index fund with low fees made up of companies in the S&P 500, which is comprised of the 500 biggest companies in the stock market.
This is also a well-known suggestion of Warren Buffett.
"Consistently buy an S&P 500 low-cost index fund," Buffett told CNBC's "On The Money." "I think it's the thing that makes the most sense practically all of the time."
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Disclaimer: CNBC owns the exclusive off-network cable rights to "Shark Tank."