With the new year upon us, resolutions may be on your mind. Have you found how easy they are to make them but not as easy to keep? People who make new year’s resolutions are 10 times more likely to accomplish the changes than those who do not formally make resolutions. You have taken the first step by making the resolution. Here are some pointers in keeping it.

1. Plan the resolution out in steps, small increments. Rather than say you are going to save money, review your budget and designate a realistic amount of how much you can dedicate to put away. Think of saving money the same as pay...