You’ve made a New Year’s resolution

You’ve made a New Year’s resolution? Congratulations: Research says you’re 10 times more likely to successfully alter a behavior than you would if you didn’t make a start-of-the-year vow. And maybe that’s why some 45 percent of American adults ring in the New Year with a resolution.

Be Specific

Vague goals won’t work. “You’ve got to develop a specific action plan for change.”

Make Your Goal Public

Share your decision to change with friends and family who can offer support when you’re wavering and encouragement when you’re doing well at sticking to your resolution.

Substitute Good Behaviors for “Bad”

Don’t rely on willpower alone to help you change.

Track Your Progress

Record or chart your changed behavior. “Research indicates that such ‘self-monitoring’ increases the probability of keeping your resolution.”

Picture the Lifestyle You Want

“Have a specific goal and envision the lifestyle you’ll be able to have if you stick to it.”

Think Before You Buy

“When you’re about to make a purchase.

Go to Boot Camp - Financial boot camps 

Go on a Spending Diet

“Designate two days a week as no-spend.”

Trick Yourself Into Saving

Use the Restaurant Rule of Two

Risk Public Embarrassment

Know When You’re at Your Weakest

Trick Yourself Into Eating Less

Avoid Multitasking During Meals

Exercise Even If You Can’t Afford the Gym

Compete With a Spouse, Partner, or Friend

Set a Specific Goal

Bribe Yourself

Be Accountable to Your Kids