New Years Resolutions

New Years resolutions are often about health or finances. They are easy to make but hard to stick to. If you make resolutions look for ways to make it easy to stick to them. Don't set yourself up for failure by creating a budget that does not leave any leeway for emergencies or even little fun things. Expect to have to adapt a new budget as you get used it. Having to change it as you go is not failing, it's just how it works in real life.