2. Be Realistic about Your Abilities

Money resolutions are excellent but if you don't set realistic expectations for yourself, you might throw in the towel too soon. When working towards any long-term goal, you need to set manageable, short-term goals. This makes it easier to achieve the big picture. For example, if you resolved to pay off credit card debt, set a goal to pay off your card with the lowest balance by mid-year, and then tackle another card by the end of the year.