What’s your financial resolution?

New Year’s Resolutions. Nearly everyone makes them.

We say we’re going to lose weight, exercise more, get organized. Stop doing X, and start doing Y. The list of resolutions goes on and on. We have ours and you may have yours. But — do those lists include a financial resolution for 2013?

If yours does, you’re not alone.

Business News Daily says that 46 percent of consumers are considering making a financial resolution for the New Year, many doing so for the first time. Those surveyed said they were either resolving to “save more” or to “spend less and pay off debt.”

It’s not as easy as it sounds — financial resolutions tend to be harder to keep than others. Fewer than 10 percent of people who make New Year’s resolutions actually achieve them. Are you up to the challenge? Read US News & World Report’s Get-Out-of-Debt Resolutions for 2013 for tips that include:

  • Pay bills on time
  • Track your spending
  • Create a budget
  • Set up an emergency fund
  • Make money on the side
  • Check your credit report

If you’re on a retirement countdown, read what the AARP money mavens are doing to get their own financial affairs in order, from putting a price ceiling on independent financial decisions to curbing the urge to buy another pair of shoes!

What’s your financial resolution for 2013?

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