How Do I Stick to New Year’s Resolutions?

We all set New Year’s Resolutions, but most of us don’t keep them. The big mistake most of us make is in making the goal too high and vague. Think about the last time you set a resolution, did it sound like this? “I plan to work out more” “I will save more” “I will live a healthier lifestyle”

The First Step is to Set Goals Properly

The previous statements are all worthy - but they’re not goals you can ACTUALLY reach. Good goals should have the following characteristics:

  • Specific
  • Measurable
  • Achievable
  • Relevant/results-based
  • Time-bound

Let’s take an example - let’s say you want to improve your finances. Let’s go through the steps:


What about your finances do you want to improve? Maybe you want to start saving more.


You’ve identified that you want to save, but how much?


Find a number that seems achievable to you - perhaps it’s $300 a month. Figure out what feels comfortable for you.


Take a look at your budget and see what needs to give in order for that number to be actually relevant. Perhaps you will reduce your shopping budget in order to save that amount of money


You’ve identified that you can save $300 a month for the next year.

Let’s state our New Year’s Resolution:

I will save $300 a month for the next year by reducing my shopping budget. See? We just went from “improving my finances” to that - it feels more realistic already.


Now that I have a goal how do I stick to it?

We’ve got lots of ideas, here are just a few:

  1. Create a visual representation of the goal - maybe it’s a post-it note, or a picture you color in every time you put the money towards savings.
  2. If you can, put it on auto-pay. Then you don’t even need to worry about it.
  3. Don’t binge right before knowing that you plan to buckle down (i.e. don’t eat a bunch of pizza before you plan to go gluten-free), it will make it much harder to actually do the action
  4. Get an accountability buddy who checks in on you every couple weeks or once a month to see how you’re doing with your goal. Even better if it’s someone who is on a similar journey
  5. Reward yourself at each milestone. Perhaps every time you put the money towards savings, give yourself a dance party or your favorite meal.

Article written by
The app that upgrades your money mindset and debt, for free

Debbie is an app that uses behavioral psychology and prizes to help you pay off debt for good. The app rewards you for paying off debt with lower interest rates on your current credit, as well as cash. Start our free money psychology course today to get qualified. Start Now →

Related articles

Ready to crush debt?

Join here. Terms apply.

Start now