For many, the magic of the holiday season begins to fade as soon as they realize how much they spent over the holidays and calculate how big their credit card bills are going to be. On the bright side, the New Year offers the perfect opportunity to set attainable financial goals. Following are some examples of financial New Year’s resolutions worth keeping:

1. I will make informed financial decisions, understanding the difference between wants and needs.
2. I will communicate with my family about money matters so that we are all working toward the same goals.
3. I will be aware of the effects of advertising on the financial decisions I make, and resolve not to be influenced by them.
4. I will take care of my finances today by tracking expenses and creating a budget that is flexible and realistic.
5. I will take care of my finances tomorrow by saving for my future.
6. I will meet the credit obligations I have made on time and as agreed.
7. I will continue my personal education about financial health, budgeting, credit, and personal debt.
8. I will plan for periodic expenses, including the next holiday season.
9. By setting a good example, I will teach my children the importance of budgeting, saving, and the wise use of credit.
10. Finally, if I am over-obligated, I will take the necessary steps to seek assistance.