10 Financial Resolutions Everyone Should Make

New Year's resolutions

While some people think it’s better to avoid making New Year’s Resolutions, it’s important to get specific as possible if you do decide to do make them. If you’re they type where New Year’s resolutions help motivate you to achieve those goals, here are some that you should consider relating to your finances:

Save More

It’s easy to tell yourself that you’re going to save more money, but do you ever follow through with those promises? You might start saving for a month before deciding that you’d rather spend that money on other “necessities”. However, saving can be fairly easy. Even someone living on a strict budget can find ways to


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100 Responses to 10 Financial Resolutions Everyone Should Make

  1. Mandala says:

    Save a small amount at the end of the week and deposit it. Pay off my debts. Thanks!

  2. Lori P says:

    Going to pay down some debt that I have.

  3. Emi says:

    I need to pay more attention to my investments. Some of the stocks and mutual funds that I had went really far down and I only check them once a month which is super late to be selling them.

  4. Michelle.A. says:

    We’re going to try and eat at home more to save more money.

  5. Sheila says:

    We have set a budget and will be tracking to the penny!

  6. kara says:

    lots of changes. started saving again

  7. Kim says:

    We plan to save more cash; and declutter and prepare our house to sell so that we can move quickly.

  8. Angelia says:

    I have a ton of newly acquired medical bills that I need pay off that I will be working on this year.

  9. jay says:

    Biggest problem: eating out, rather take out. Keep on trying to cut back!

  10. Michelle says:

    I’m planning on cutting back on spending and paying off as much of my student loans as I can.

  11. kelly nicholson says:

    What changes to your finances are you planning for the New Year?

    more.more money baby!

  12. Elizabeth says:

    Pay down debt!

  13. Karla Sceviour says:

    hopefully,saving more money and creating a stricter budget!

  14. Gail Williams says:

    Pre-planning for retirement for my husband and me means cutting back on spending and considering where to downsize!

  15. Jen Haile says:

    Be more careful on my spending and save more!

  16. Samantha says:

    Got to get to a cash only point, and bulk up the emergency fund.

  17. Kristan Reynolds says:

    I am hoping for a raise so I can try to get a little ahead instead of so far behind. I don’t do any extra spending, yet am still always broke. ugh!!

  18. Stephanie O says:

    Cutting back on eating out and in other areas. Using a budget and cash.

  19. Stephanie O says:

    Are you doing 1000 gifts/Joy Dare? I seen the paper… I am doing it.

  20. Carla Bonesteel says:

    I need to save money, and hopefully, get a raise at work!

  21. Deneen Berry says:

    I win !

  22. Gailete says:

    I keep a spiral notebook with each page for a particular month in each year and I can get several years in one notebook. I go through the past year and write down the major expenses that each month generates such as car or house insurance, estimated taxes since we are self employed, life insurance, etc. When monthly bills come in they too are written in the notebook so there is no way to ‘forget’ them and by looking into the notebook even though you might not have any big expenses this month seeing that you have a big one coming up next month will help you decide that this isn’t a good month to ‘blow’ $500 that is burning a hole in your pocket this month, tuck it away to pay next month’s $500 bill.

  23. Carson says:

    Increase savings

  24. nicole w says:

    I plan to pay off a good portion of my debts!

  25. Michelle M. says:

    My husband and I are working to bring our credit card balance to 0. It feels good to watch the numbers go down!

  26. molli vandehey says:

    really making a budget and trying to expand my work from home ooportunities

  27. CB in the City says:

    I’m going to do a spending fast in January (no spending other than needs) and pay at least double on my mortgage all year.

  28. Diana B says:

    I’d like to cut down on our spending.

  29. amber says:

    I’m planning to save consistently every month, at least $100

  30. Judy says:

    save a little bit each month; try to set it up so it goes into savings automatically.

  31. Dena says:

    I added an extra $100 per month to my monthly mortgage payment to save $$ over the life of the mortgage.

  32. eleanor says:

    I plan on increasing my savings and watch what I’m spending.

  33. Biku Toria says:

    I want to lose weight and exercise more, which means I will purchase less food so I’m less tempted to eat more!

  34. In 2013 one of our financial resolutions will be to invest more in our retirement funds. We have a budget that we understand and hope to stick to better than last year as well to stick to the plan.

  35. Darla Mathews says:

    To set some attainable and specific goals and break them down per quarter.

  36. Cheryl Chervitz says:

    I will save a small amount from each paycheck to help me out.

  37. patricia skinner says:

    I am trying to save money and pay for things like the trash pickup yearly instead of monthly.

  38. Angie Hall says:

    Pay off debt this year!!

  39. Anne says:

    I have already started a cash only budget and it really makes you think more about what you spend. I am starting a savings, IRA and college fund for the kids this year as well as investing in life insurance.

  40. JMK says:

    Continue living on ~55-60% of net income, with minimum 30% going to retirement savings and extra mortgage payments. Still debating how to allocate the remaining 10-15%. Usually our annual trip (our sole luxury in an ultra frugal lifestyle) chews through a significant amount, but we’re considering downsizing the trip this year and doing a couple of home improvements and putting the rest toward the mortgage. On our accelerated mortgage payoff plan, we’ll be done in 5yrs, but we’re playing with the numbers to see if 3yrs is possible and what we’d have to do, or not do, to make that happen.

  41. Sarah L says:

    No using credit – cash only

  42. Rusu Alexandru says:

    Search for a Job!

  43. sandra says:

    trying to add more to our kids’ 529 plans

  44. Annmarie W. says:

    I’m going to watch my spending more closely, and try to buy fewer things that we don’t need!

  45. Cujo says:

    I’m going to look for more savings when I shop.

  46. Jill says:

    Always shop with coupons.

  47. colleen boudreau says:

    Pay off debt.

  48. BlackAsphodel says:

    Pay off debt.

    My e-mail: blackasphodel(at)yahoo(dot)com

  49. Renski says:

    I plan to better track my money.

  50. Jose says:

    These are all good financial resolutions. But why not make some solid goals for yourself for 2013? Set a goal to increase your emergency fund, another to pay off a certain amount of debt.

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