How to Make and Keep Your New Year's resolutions

12/30/2024 04:00 PM By Mike Halper, CFP®, MPAS®, SE-AWMA®, CDAA, CBDA

The start of a new year brings a fresh wave of motivation, with many of us setting resolutions we vow to keep. Yet, despite our best intentions, it’s common for resolutions to fall by the wayside. Why is this? Often, it’s because we overreach, setting unrealistic goals that are difficult to sustain. This year, take a different approach—set resolutions that are achievable and realistic, and use strategies to help you stick to them.

4 Tips to Help You Stick to Your Financial Resolutions

Create a Specific Plan

Every successful resolution begins with a clear and actionable plan. Whether your goals involve improving your finances, fitness, or personal growth, take the time to sit down and think through what you want to achieve and how to achieve it. Break your resolution into smaller, measurable steps, and set deadlines to stay on track. A well-structured plan acts as a roadmap, guiding you toward success and holding you accountable.

Make It Enjoyable

Who says sticking to resolutions has to be a chore? Find ways to make the process enjoyable. If your resolution is to save money, turn budgeting into a fun challenge or celebrate milestones along the way. Involve others in your goals—team up with friends for workout sessions, plan “no-spend” weekends together, or organize group meal-prep days to save money on dining out. By keeping the process engaging and fun, you’ll be more likely to stay motivated.

Track Your Progress

Monitoring your progress is essential to maintaining momentum. Keep a journal, use an app, or create a simple checklist to track how well you’re sticking to your resolution. Regularly reviewing your progress not only provides a sense of accomplishment but also helps identify areas where you may need to refocus. Reflecting on your journey can keep you grounded and motivated to continue.

Seek Support

You don’t have to go it alone. Share your resolutions with trusted friends or family members who can offer encouragement and hold you accountable. If you encounter setbacks, your support system can help you get back on track. Whether it’s a friend reminding you to stick to your workout schedule or a partner helping you stay within budget, having a reliable cheerleader by your side can make all the difference.

This Year, Prove It to Yourself

Keeping resolutions isn’t about perfection—it’s about progress and persistence. By setting realistic goals, enjoying the process, tracking your progress, and seeking support, you can turn your resolutions into lasting habits.


This year, make it the one where you go to the gym as often as you planned, save as much as you promised, and stick to the commitments you’ve made to yourself. You’ll not only thank yourself later, but you’ll also build confidence in your ability to achieve any goal you set.

Now’s the time—get started and make it happen!