Save more, spend less and pay off debt are popular New Year’s resolutions, and perhaps the ones most likely to disappear a few weeks into the year when reality sets in and expenses derail plans. But an early-year setback, like your health insurance deductible or credit card bills after an expensive December, doesn’t have to derail you.

After all, you made those decisions, so you can change them. And making more specific resolutions that are easier to keep than just giving up can put you in a better financial position next year. Here’s how to get back on track.


Broad resolutions like “I want to save more this year” can be a useful starting point, but they make it difficult to track your progress. Having a specific goal in mind, such as a wedding, paying off debt, or buying a house, puts a dollar amount on your financial goals and gives you something concrete to work towards.

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