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How To Stick To Your New Year's Financial Resolutions In 2023
<!DOCTYPE html><html lang="en"><head><meta charSet="utf-8"/><title>How To Stick To Your New Year's Financial Resolutions In 2023</title><link rel="preload" href="https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bold-webfont.woff2" as="font" type="font/woff2"/><link rel="preload" href="https://i.forbesimg.com/assets/fonts/work-sans/worksans-regular-webfont.woff2" as="font" type="font/woff2"/><link rel="preload" href="https://imageio.forbes.com/specials-images/imageserve/63c593b1ad34e032e8c92cf4/Young-Business-Girl-with-Rocket-Pack/960x0.jpg?format=jpg&width=960" as="image"/><link rel="preload" href="https://i.forbesimg.com/assets/fonts/schnyder-s-bold.otf" as="font"/><link rel="preload" href="https://i.forbesimg.com/assets/fonts/Schnyder/Schnyder-SDemi-Web.woff2" as="font"/><meta http-equiv="Content-Language" content="en_US"/><meta name="viewport" content="width=device-width,initial-scale=1,maximum-scale=5,minimum-scale=1,user-scalable=yes"/><meta name="description" itemProp="description" content="One in four people break their New Year's Resolution within the first two weeks. 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xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg></span><a class="isDg-4PG" href="https://www.forbes.com/personal-finance/" data-ga-track="breadcrumb-L3">Personal Finance</a></span></div></div><h1 class="dp_VC">How To Stick To Your New Year's Financial Resolutions In 2023</h1><div class="AhtZ3 CU3md"><div class="ZgVJj"><div class="vDF8R"><div data-testid="truncation-inner" class="_9GOxm"><span style="-webkit-line-clamp:1" class="Ccg9Ib-7 Msqbf CRVMw"><div class="Na3NTglQ _51GWpoAk CF_dd"><span class="ujvJmzbB LfmqX">By</span><a class="_4tin10wS _9xFYp" href="https://www.forbes.com/sites/robertfarrington/" rel="noreferrer" target="_self">Robert Farrington</a><span class="AtUb4gy8 LfmqX DHzQR">, Senior Contributor. </span></div> <!-- -->Robert Farrington writes about higher education and student loans.</span></div></div><div class="T65Fn"></div></div><div style="position:relative"><button type="button" class="_18BedXz4 zfmcPBtS _9gE86Z3W RGcmU lOw_p Nd7xMFo8" disabled="" data-testid="variants"><span class="">Follow Author</span></button></div></div><span class="ycHdAQ4U _0th4g">Jan 16, 2023, 01:15pm EST</span></div><div class="YHOim KpLaT jOjL0"><div class="WkaGZ"><div class="e9YVP"><div class="rwK2G"><div class="socialShareContainer"><button type="button" aria-label="open share menu" class="sTVDLFT0 AYwaD CKkMh"><svg class="fs-icon fs-icon--share" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill-rule="evenodd" clip-rule="evenodd" d="M18 16.1c-.8 0-1.4.3-2 .8l-7.1-4.2c.1-.2.1-.5.1-.7s0-.5-.1-.7L16 7.2c.5.5 1.2.8 2 .8 1.7 0 3-1.3 3-3s-1.3-3-3-3-3 1.3-3 3c0 .2 0 .5.1.7L8 9.8C7.5 9.3 6.8 9 6 9c-1.7 0-3 1.3-3 3s1.3 3 3 3c.8 0 1.5-.3 2-.8l7.1 4.2c-.1.2-.1.4-.1.6 0 1.6 1.3 2.9 2.9 2.9s2.9-1.3 2.9-2.9-1.2-2.9-2.8-2.9z"></path></svg></button></div><button disabled="" type="button" aria-label="save article" class="sElHJWe4 CKkMh RbOxY _0YX29K8j"><svg class="fs-icon 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data-test-id="elderlyLabel" class="byn9U">This article is more than<!-- --> <!-- -->2<!-- --> <!-- -->years old.</span></div><div class="p5_3X"><div class="b6Cr_ article-body-container"><div class="fs-article fs-responsive-text current-article article-body"><figure class="embed-base image-embed embed-0" role="presentation"><div style="padding-top:66.67%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/63c593b1ad34e032e8c92cf4/Young-Business-Girl-with-Rocket-Pack/960x0.jpg?fit=scale" alt="Young Business Girl with Rocket Pack" data-height="2252" data-width="3378"></progressive-image></div><figcaption><fbs-accordion><p class="color-body light-text" role="button">How to stick to your financial goals and resolutions this year.</p></fbs-accordion><small>getty</small></figcaption></figure> <p>With most of us hoping for better financial prospects in 2023, it's important to acknowledge just how brutal 2022 was for Americans and their wallets. Not only did the stock market end the year significantly down, but cryptocurrencies largely tanked as well. Sky-high inflation also led the Federal Reserve to raise interest rates throughout the year, so borrowing money became much more expensive, too.</p> <div class="halfway_hardwall_1"></div> <div class="article_paragraph_2"></div> <p>But the past is the past, and there's nothing any of us can do to change it. We can, however, take steps in the new year to invest more and spend less with the goal of building wealth.</p> <div class="halfway_hardwall_2"></div> <p>With that in mind, you may be wondering what you can do to stick to your <a href="https://www.forbes.com/sites/robertfarrington/2022/12/28/how-to-make-your-money-go-farther-in-2023/" target="_self" class="color-link" title="https://www.forbes.com/sites/robertfarrington/2022/12/28/how-to-make-your-money-go-farther-in-2023/" data-ga-track="InternalLink:https://www.forbes.com/sites/robertfarrington/2022/12/28/how-to-make-your-money-go-farther-in-2023/" aria-label="financial goals for 2023">financial goals for 2023</a>, whether you hope to pay down debt, learn how to invest, or spend less on things you don't really care about.</p> <div class="halfway_hardwall_3"></div> <p>Here are some tips from some of the top financial professionals out there today.</p> <div class="halfway_hardwall_4"></div> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align">Make A List Of Measurable Goals</h2> <div class="vestpocket nsO6K"></div> <p>Financial advisor David Edmisten of <a href="https://www.nextphasefp.com/" target="_blank" class="color-link" title="https://www.nextphasefp.com/" rel="nofollow noopener noreferrer" data-ga-track="ExternalLink:https://www.nextphasefp.com/" aria-label="Next Phase Financial Planning">Next Phase Financial Planning</a> says that reaching your financial goals becomes easier when you make each step of your strategy specific and measurable. For example, saying you want to save more money for retirement in 2023 isn't specific enough. Instead, you should plan to increase your 401(k) contributions by a certain amount of money per pay period, then follow through with that goal by filling out forms at work that facilitate this increase.</p><div style="min-height:0" class="d-none"><div class="G9049W9y _1apm68B5 L996f vKVY8 inlineAdContainer" aria-hidden="true" role="presentation" tabindex="-1" data-testid="ad-container"></div></div> <p>"Setting smaller, specific steps towards your goal that you can measure and accomplish frequently will help you keep momentum to ultimately achieve your goal," says Edmisten.</p> <p>CPA and financial coach Anne-Lyse Wealth of <a href="https://dreamoflegacy.com/" target="_blank" class="color-link" title="https://dreamoflegacy.com/" rel="nofollow noopener noreferrer" data-ga-track="ExternalLink:https://dreamoflegacy.com/" aria-label="Dream of Legacy">Dream of Legacy</a> adds that breaking down big savings goals into smaller goals can also help. If you hope to save $5,000 toward your emergency fund in 2023, for example, dividing that amount by 12 months breaks this down to $417. This is an actual dollar figure to shoot for versus simply hoping you set aside enough each month to reach your goal by the end of the year.</p> <div class="P7h_m"><div class="ruw7_">MORE FROM<!-- --> <span class="_rEMv">FORBES ADVISOR</span></div><div class="j50hg"><a href="https://www.forbes.com/advisor/travel-insurance/best-travel-insurance/?utm_source=forbes&utm_medium=recirc&utm_campaign=tirecircnov" aria-label="Graphic Best Travel Insurance Companies" data-ga-track="Advisor Recirc - Multiple Articles - Link 1" class="_4JPrP"><img loading="lazy" src="https://www.forbes.com/advisor/wp-content/uploads/2021/08/tropical-vacation.jpeg.jpg" alt="Graphic Best Travel Insurance Companies"/></a><div class="pwarH h0FhB"><h3 class="b15jp"><a href="https://www.forbes.com/advisor/travel-insurance/best-travel-insurance/?utm_source=forbes&utm_medium=recirc&utm_campaign=tirecircnov" title="Best Travel Insurance Companies" aria-label="Best Travel Insurance Companies" data-ga-track="Advisor Recirc - Multiple Articles - Link 1">Best Travel Insurance Companies</a></h3><div class="zZWc_">By<!-- --> <a href="https://www.forbes.com/advisor/author/adanise/" class="_0ZtXF" aria-label="Amy Danise">Amy Danise<!-- -->,</a><span class="QjZDS"> <!-- -->Editor</span></div></div></div><div class="j50hg"><a href="https://www.forbes.com/advisor/travel-insurance/best-pandemic-travel-insurance/?utm_source=forbes&utm_medium=recirc&utm_campaign=tirecircnov" aria-label="Graphic Best Covid-19 Travel Insurance Plans" data-ga-track="Advisor Recirc - Multiple Articles - Link 2" class="_4JPrP"><img loading="lazy" src="https://www.forbes.com/advisor/wp-content/uploads/2020/12/couple-traveling-2-e1608019949550.jpg" alt="Graphic Best Covid-19 Travel Insurance Plans"/></a><div class="pwarH h0FhB"><h3 class="b15jp"><a href="https://www.forbes.com/advisor/travel-insurance/best-pandemic-travel-insurance/?utm_source=forbes&utm_medium=recirc&utm_campaign=tirecircnov" title="Best Covid-19 Travel Insurance Plans" aria-label="Best Covid-19 Travel Insurance Plans" data-ga-track="Advisor Recirc - Multiple Articles - Link 2">Best Covid-19 Travel Insurance Plans</a></h3><div class="zZWc_">By<!-- --> <a href="https://www.forbes.com/advisor/author/adanise/" class="_0ZtXF" aria-label="Amy Danise">Amy Danise<!-- -->,</a><span class="QjZDS"> <!-- -->Editor</span></div></div></div></div> <div class="fbs-ad--nativeinbody-d-wrapper fbs-ad--progressive"></div> <p>Breaking down goals this way helps make the goals more achievable, which keeps you motivated. Not only that, but people tend to lose motivation when the goal is too big.</p> <p>"With this strategy, you have a sense of accomplishment along the way and a reward for good behavior that helps keep you on track," she said.</p> <div class="article_paragraph_7"></div> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align">Automate Your Finances</h2> <p>You Need a Budget (YNAB) founder and bestselling author Jesse Mecham says that automating your finances is one the best ways to stick to your money resolutions in 2023 and beyond. Whether you're trying to pay off debt, increase your retirement savings, or build an emergency fund, consider how automatic transfers or payments might help you stay on track.</p> <script> function loadConnatixScript(document) { if (!window.cnxel) { window.cnxel = {}; window.cnxel.cmd = []; var iframe = document.createElement('iframe'); iframe.style.display = 'none'; iframe.onload = function() { var iframeDoc = iframe.contentWindow.document; var script = iframeDoc.createElement('script'); script.src = '//cd.elements.video/player.js' + '?cid=' + '62cec241-7d09-4462-afc2-f72f8d8ef40a'; script.setAttribute('defer', '1'); script.setAttribute('type', 'text/javascript'); iframeDoc.body.appendChild(script); }; document.head.appendChild(iframe); const preloadResourcesEndpoint = 'https://cds.elements.video/a/preload-resources-ovp.json'; fetch(preloadResourcesEndpoint, { priority: 'low' }) .then(response => { if (!response.ok) { throw new Error('Network response was not ok', preloadResourcesEndpoint); } return response.json(); }) .then(data => { const cssUrl = data.css; const cssUrlLink = document.createElement('link'); cssUrlLink.rel = 'stylesheet'; cssUrlLink.href = cssUrl; cssUrlLink.as = 'style'; cssUrlLink.media = 'print'; cssUrlLink.onload = function() { this.media = 'all'; }; document.head.appendChild(cssUrlLink); const hls = data.hls; const hlsScript = document.createElement('script'); hlsScript.src = hls; hlsScript.setAttribute('defer', '1'); hlsScript.setAttribute('type', 'text/javascript'); document.head.appendChild(hlsScript); }).catch(error => { console.error('There was a problem with the fetch operation:', error); }); } } loadConnatixScript(document); </script> <script class="fbs-cnx"></script> <p>Automation can help you reach your goals before the money even reaches your hands by eliminating the possibility that you spend those dollars on anything else, he says. Further, automation can also help you stick to a budget if you have one, mostly because automatically saving and "paying yourself first" ensures your money is actually going where you want it to each month.</p> <p>According to Mecham, you can also consider downloading a <a href="https://www.forbes.com/advisor/banking/ynab-budgeting-app-review/" target="_self" class="color-link" title="https://www.forbes.com/advisor/banking/ynab-budgeting-app-review/" data-ga-track="InternalLink:https://www.forbes.com/advisor/banking/ynab-budgeting-app-review/" aria-label="budgeting app like YNAB">budgeting app like YNAB</a> that will track your spending without you having to manually tally up numbers in a confusing spreadsheet at the end of the month.</p> <p>There are other budgeting apps you can consider as well, including Mint, EveryDollar, and Honeydue. These budgeting apps can help you keep track of where the money you work so hard to earn is going each month, and they can also help you figure out how much you can start automatically saving or investing going forward.</p> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align">Focus On Getting Out Of Debt</h2> <p>While hoping to save and invest more in 2023 is a noble goal, carrying high-interest debt could leave you in a position where you're actively working against yourself month after month.</p> <p>Florida financial advisor Chuck Czajka of <a href="https://macro-money.com/" target="_blank" class="color-link" title="https://macro-money.com/" rel="nofollow noopener noreferrer" data-ga-track="ExternalLink:https://macro-money.com/" aria-label="Macro Money Concepts">Macro Money Concepts</a> says that overspending is one of the biggest pitfalls you should watch out for as you try to stick to your new year goals. He points to a recent Bankrate <a href="https://www.bankrate.com/finance/credit-cards/more-americans-carrying-debt-and-many-dont-know-apr/#young" target="_blank" class="color-link" title="https://www.bankrate.com/finance/credit-cards/more-americans-carrying-debt-and-many-dont-know-apr/#young" rel="nofollow noopener noreferrer" data-ga-track="ExternalLink:https://www.bankrate.com/finance/credit-cards/more-americans-carrying-debt-and-many-dont-know-apr/#young" aria-label="survey">survey</a> that found more than a third of Americans are carrying credit card debt from month to month.</p> <p>Czajka says that higher inflation has likely led more Americans to lean on credit to keep up with spending and everyday bills. However, if you can’t pay your credit card off at the end of each month, you shouldn’t be using credit.</p> <p>If you want to get out of debt, you can use any number of strategies to do so, including a financial program like YNAB. However, financial expert <a href="https://andreaworoch.com/" target="_blank" class="color-link" title="https://andreaworoch.com/" rel="nofollow noopener noreferrer" data-ga-track="ExternalLink:https://andreaworoch.com/" aria-label="Andrea Woroch">Andrea Woroch</a> recommends paying down high-interest debt you have with a balance transfer card.</p> <p>Woroch adds that many cards in this niche offer 0% interest on balance transfers for anywhere from 12 to 21 months, although balance transfer fees apply.</p> <p>"This will give you some time to make smaller payments while still making a bigger dent in the debt than you would otherwise," she said.</p> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align">Save Up Cash For Emergencies</h2> <p>Financial emergencies are one of the biggest challenges that prevent people from reaching their financial goals. After all, it's much more difficult to save money and plan for the future when your world is suddenly turned upside down.</p> <p>Financial analyst Richard Barrington of <a href="https://www.creditsesame.com/" target="_blank" class="color-link" title="https://www.creditsesame.com/" rel="nofollow noopener noreferrer" data-ga-track="ExternalLink:https://www.creditsesame.com/" aria-label="Credit Sesame">Credit Sesame</a> says that saving up emergency funds may be crucial in 2023 if you want to reach your goals, particularly since the Federal Reserve expects unemployment to rise this year.</p> <p>Most experts agree that your <a href="https://www.forbes.com/sites/robertfarrington/2023/01/09/where-to-park-your-emergency-fund-in-2023/" target="_self" class="color-link" title="https://www.forbes.com/sites/robertfarrington/2023/01/09/where-to-park-your-emergency-fund-in-2023/" data-ga-track="InternalLink:https://www.forbes.com/sites/robertfarrington/2023/01/09/where-to-park-your-emergency-fund-in-2023/" aria-label="emergency fund">emergency fund</a> should ideally have at least three to six months of expenses that aren't being allocated to pay for anything else.</p> <p>"An emergency fund is a good way to have some money available to see you through a financial setback like a period of joblessness," said Barrington.</p> <p>"Otherwise, you may have to resort to borrowing, which only makes the problem worse by adding interest charges to your expenses."</p> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align">Don't Let Small Mistakes Ruin Your Plans</h2> <p>Finally, Senior Financial Planning Education Consultant Emily Koochel, Ph.D. of <a href="https://emoneyadvisor.com/" target="_blank" class="color-link" title="https://emoneyadvisor.com/" rel="nofollow noopener noreferrer" data-ga-track="ExternalLink:https://emoneyadvisor.com/" aria-label="eMoney Advisor">eMoney Advisor</a> says it's important to reflect and set money goals. However, you should also remember that humans are never perfect, and that our behavior doesn’t always align with where we hope to be in the future.</p> <p>"By declaring what is important to us first, and by paying attention to our behavior, we can start to notice our progress towards success, identify the gaps, and determine when our behavior falls short of our ideals," she said.</p> <p>With all this in mind, it's also important to understand that everyone makes mistakes and to "give yourself some grace." Ultimately, this means not giving up if you make a poor financial decision or a financial emergency leaves you falling short of your goals for a while.</p> <p>"If you make a ‘bad’ financial decision, take time to realign and get back on track," said Koochel.</p> <p>"We always have room to grow and improve."</p> <div class="newsletter_signup_article"></div></div><span class="Nj1i5"><span>Follow me on </span><a class="color-link" target="_blank" rel="nofollow noopener noreferrer" href="https://www.twitter.com/collegeinvestin">Twitter</a> or <a class="color-link" target="_blank" rel="nofollow noopener noreferrer" href="https://www.linkedin.com/in/robertfarringtonmba/">LinkedIn</a>.<span> Check out </span>my <a class="color-link" target="_blank" rel="nofollow noopener noreferrer" href="https://thecollegeinvestor.com">website</a>.</span><div class="_38K2d"><a class="TYbQt color-body" href="https://www.forbes.com/sites/forbesstaff/article/forbes-editorial-values-and-standards/" rel="noopener noreferrer" target="_blank">Editorial Standards</a><span class="HMT72"></span><a class="TYbQt color-body" href="https://www.parsintl.com/publications/forbes/" rel="noopener noreferrer" target="_blank">Forbes Accolades</a></div></div></div></div></div><div class="TRJgE"><div class="nHvoF" style="top:-31px"><span class="gB1W8">LOADING VIDEO PLAYER...</span><div class="fsbK_"></div><span class="St_cb">FORBES’ FEATURED Video</span></div><div class="_63PTi _2R8zG HUoD2" data-testid="fbs-ad - rightRail"><div class="G9049W9y -pNJMgij vKVY8 wr9U2 IQqQg" aria-hidden="true" role="presentation" tabindex="-1" data-testid="ad-container" style="top:-57px"></div></div><div class="_63PTi _2R8zG HUoD2" data-testid="fbs-ad - rightRail"><div class="G9049W9y -pNJMgij vKVY8 wr9U2 IQqQg" aria-hidden="true" role="presentation" tabindex="-1" data-testid="ad-container" style="top:-57px"></div></div></div></div><div class="medianet-wrapper ad-unit mnet-btf medianet KpLaT DaonF"><div class="HMpzH"><div class="G9049W9y -f56S99- paUHo" aria-hidden="true" role="presentation" tabindex="-1" data-testid="ad-container"><div class="fbs-ad--medianet fbs-ad--media_net_1_article_0-wrapper-nextjs" data-position="media_net_1_article_0" data-size="800x650" data-tagid="265256887" aria-hidden="true" role="presentation" tabindex="-1"></div></div></div></div><div class="paywall_ribbon"></div></main></article><footer class="smP7p--o" role="contentinfo"><div class="_1FviBxkI"><div class="RS-LXz9z"><a aria-label="Link to Forbes Homepage" class="Shi6M7tj" href="https://www.forbes.com/"><svg class="fs-icon fs-icon--forbes-logo" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 200 54"><path d="M113.3 18.2c0-5.8.1-11.2.4-16.2L98.4 4.9v1.4l1.5.2c1.1.1 1.8.5 2.2 1.1.4.7.7 1.7.9 3.2.2 2.9.4 9.5.3 19.9 0 10.3-.1 16.8-.3 19.3 5.5 1.2 9.8 1.7 13 1.7 6 0 10.7-1.7 14.1-5.2 3.4-3.4 5.2-8.2 5.2-14.1 0-4.7-1.3-8.6-3.9-11.7-2.6-3.1-5.9-4.6-9.8-4.6-2.6 0-5.3.7-8.3 2.1zm.3 30.8c-.2-3.2-.4-12.8-.4-28.5.9-.3 2.1-.5 3.6-.5 2.4 0 4.3 1.2 5.7 3.7 1.4 2.5 2.1 5.5 2.1 9.3 0 4.7-.8 8.5-2.4 11.7-1.6 3.1-3.6 4.7-6.1 4.7-.8-.2-1.6-.3-2.5-.4zM41 3H1v2l2.1.2c1.6.3 2.7.9 3.4 1.8.7 1 1.1 2.6 1.2 4.8.8 10.8.8 20.9 0 30.2-.2 2.2-.6 3.8-1.2 4.8-.7 1-1.8 1.6-3.4 1.8l-2.1.3v2h25.8v-2l-2.7-.2c-1.6-.2-2.7-.9-3.4-1.8-.7-1-1.1-2.6-1.2-4.8-.3-4-.5-8.6-.5-13.7l5.4.1c2.9.1 4.9 2.3 5.9 6.7h2V18.9h-2c-1 4.3-2.9 6.5-5.9 6.6l-5.4.1c0-9 .2-15.4.5-19.3h7.9c5.6 0 9.4 3.6 11.6 10.8l2.4-.7L41 3zm-4.7 30.8c0 5.2 1.5 9.5 4.4 12.9 2.9 3.4 7.2 5 12.6 5s9.8-1.7 13-5.2c3.2-3.4 4.7-7.7 4.7-12.9s-1.5-9.5-4.4-12.9c-2.9-3.4-7.2-5-12.6-5s-9.8 1.7-13 5.2c-3.2 3.4-4.7 7.7-4.7 12.9zm22.3-11.4c1.2 2.9 1.7 6.7 1.7 11.3 0 10.6-2.2 15.8-6.5 15.8-2.2 0-3.9-1.5-5.1-4.5-1.2-3-1.7-6.8-1.7-11.3C47 23.2 49.2 18 53.5 18c2.2-.1 3.9 1.4 5.1 4.4zm84.5 24.3c3.3 3.3 7.5 5 12.5 5 3.1 0 5.8-.6 8.2-1.9 2.4-1.2 4.3-2.7 5.6-4.5l-1-1.2c-2.2 1.7-4.7 2.5-7.6 2.5-4 0-7.1-1.3-9.2-4-2.2-2.7-3.2-6.1-3-10.5H170c0-4.8-1.2-8.7-3.7-11.8-2.5-3-6-4.5-10.5-4.5-5.6 0-9.9 1.8-13 5.3-3.1 3.5-4.6 7.8-4.6 12.9 0 5.2 1.6 9.4 4.9 12.7zm7.4-25.1c1.1-2.4 2.5-3.6 4.4-3.6 3 0 4.5 3.8 4.5 11.5l-10.6.2c.1-3 .6-5.7 1.7-8.1zm46.4-4c-2.7-1.2-6.1-1.9-10.2-1.9-4.2 0-7.5 1.1-10 3.2s-3.8 4.7-3.8 7.8c0 2.7.8 4.8 2.3 6.3 1.5 1.5 3.9 2.8 7 3.9 2.8 1 4.8 2 5.8 2.9 1 1 1.6 2.1 1.6 3.6 0 1.4-.5 2.7-1.6 3.7-1 1.1-2.4 1.6-4.2 1.6-4.4 0-7.7-3.2-10-9.6l-1.7.5.4 10c3.6 1.4 7.6 2.1 12 2.1 4.6 0 8.1-1 10.7-3.1 2.6-2 3.9-4.9 3.9-8.5 0-2.4-.6-4.4-1.9-5.9-1.3-1.5-3.4-2.8-6.4-4-3.3-1.2-5.6-2.3-6.8-3.3-1.2-1-1.8-2.2-1.8-3.7s.4-2.7 1.3-3.7 2-1.4 3.4-1.4c4 0 6.9 2.9 8.7 8.6l1.7-.5-.4-8.6zm-96.2-.9c-1.4-.7-2.9-1-4.6-1-1.7 0-3.4.7-5.3 2.1-1.9 1.4-3.3 3.3-4.4 5.9l.1-8-15.2 3v1.4l1.5.1c1.9.2 3 1.7 3.2 4.4.6 6.2.6 12.8 0 19.8-.2 2.7-1.3 4.1-3.2 4.4l-1.5.2v1.9h21.2V49l-2.7-.2c-1.9-.2-3-1.7-3.2-4.4-.6-5.8-.7-12-.2-18.4.6-1 1.9-1.6 3.9-1.8 2-.2 4.3.4 6.7 1.8l3.7-9.3z"></path></svg></a><div class="QUZBXqTw">© 2025 Forbes Media LLC. 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For example, saying you want to save more money for retirement in 2023 isn't specific enough. Instead, you should plan to increase your 401(k) contributions by a certain amount of money per pay period, then follow through with that goal by filling out forms at work that facilitate this increase.","attributes":{},"parsedChildNodes":[],"key":26}],"key":24},{"nodeType":1,"nodeName":"FBS-AD","nodeValue":null,"id":"","attributes":{"position":"inread","progressive":"","ad-id":"article-0-inread","aria-hidden":"true","role":"presentation"},"parsedChildNodes":[],"key":25},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":26},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"\"Setting smaller, specific steps towards your goal that you can measure and accomplish frequently will help you keep momentum to ultimately achieve your goal,\" says Edmisten.","attributes":{},"parsedChildNodes":[],"key":27}],"key":27},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":28},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"CPA and financial coach Anne-Lyse Wealth of ","attributes":{},"parsedChildNodes":[],"key":29},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://dreamoflegacy.com/","target":"_blank","className":"color-link","title":"https://dreamoflegacy.com/","rel":"nofollow noopener noreferrer","data-ga-track":"ExternalLink:https://dreamoflegacy.com/","aria-label":"Dream of Legacy"},"href":"https://dreamoflegacy.com/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Dream of Legacy","attributes":{},"parsedChildNodes":[],"key":30}],"key":30},{"nodeType":3,"nodeName":"#text","nodeValue":" adds that breaking down big savings goals into smaller goals can also help. If you hope to save $5,000 toward your emergency fund in 2023, for example, dividing that amount by 12 months breaks this down to $417. This is an actual dollar figure to shoot for versus simply hoping you set aside enough each month to reach your goal by the end of the year.","attributes":{},"parsedChildNodes":[],"key":31}],"key":29},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":30},{"nodeName":"custom-element","attributes":{},"parsedChildNodes":[],"key":31,"componentName":"RecircMoreFrom"},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":32},{"nodeType":1,"nodeName":"DIV","nodeValue":null,"id":"","attributes":{"className":"fbs-ad--nativeinbody-d-wrapper fbs-ad--progressive"},"parsedChildNodes":[],"key":33},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":34},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Breaking down goals this way helps make the goals more achievable, which keeps you motivated. Not only that, but people tend to lose motivation when the goal is too big.","attributes":{},"parsedChildNodes":[],"key":35}],"key":35},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":36},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"\"With this strategy, you have a sense of accomplishment along the way and a reward for good behavior that helps keep you on track,\" she said.","attributes":{},"parsedChildNodes":[],"key":37}],"key":37},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":38},{"nodeType":1,"nodeName":"DIV","nodeValue":null,"id":"","attributes":{"className":"article_paragraph_7"},"parsedChildNodes":[],"key":39},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":40},{"nodeType":1,"nodeName":"H2","nodeValue":null,"id":"","attributes":{"className":"subhead-embed color-accent bg-base font-accent font-size text-align"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Automate Your Finances","attributes":{},"parsedChildNodes":[],"key":41}],"key":41},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":42},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"You Need a Budget (YNAB) founder and bestselling author Jesse Mecham says that automating your finances is one the best ways to stick to your money resolutions in 2023 and beyond. 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Further, automation can also help you stick to a budget if you have one, mostly because automatically saving and \"paying yourself first\" ensures your money is actually going where you want it to each month.","attributes":{},"parsedChildNodes":[],"key":49}],"key":49},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":50},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"According to Mecham, you can also consider downloading a ","attributes":{},"parsedChildNodes":[],"key":51},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/advisor/banking/ynab-budgeting-app-review/","target":"_self","className":"color-link","title":"https://www.forbes.com/advisor/banking/ynab-budgeting-app-review/","data-ga-track":"InternalLink:https://www.forbes.com/advisor/banking/ynab-budgeting-app-review/","aria-label":"budgeting app like YNAB"},"href":"https://www.forbes.com/advisor/banking/ynab-budgeting-app-review/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"budgeting app like YNAB","attributes":{},"parsedChildNodes":[],"key":52}],"key":52},{"nodeType":3,"nodeName":"#text","nodeValue":" that will track your spending without you having to manually tally up numbers in a confusing spreadsheet at the end of the month.","attributes":{},"parsedChildNodes":[],"key":53}],"key":51},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":52},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"There are other budgeting apps you can consider as well, including Mint, EveryDollar, and Honeydue. These budgeting apps can help you keep track of where the money you work so hard to earn is going each month, and they can also help you figure out how much you can start automatically saving or investing going forward.","attributes":{},"parsedChildNodes":[],"key":53}],"key":53},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":54},{"nodeType":1,"nodeName":"H2","nodeValue":null,"id":"","attributes":{"className":"subhead-embed color-accent bg-base font-accent font-size text-align"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Focus On Getting Out Of Debt","attributes":{},"parsedChildNodes":[],"key":55}],"key":55},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":56},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"While hoping to save and invest more in 2023 is a noble goal, carrying high-interest debt could leave you in a position where you're actively working against yourself month after month.","attributes":{},"parsedChildNodes":[],"key":57}],"key":57},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":58},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Florida financial advisor Chuck Czajka of ","attributes":{},"parsedChildNodes":[],"key":59},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://macro-money.com/","target":"_blank","className":"color-link","title":"https://macro-money.com/","rel":"nofollow noopener noreferrer","data-ga-track":"ExternalLink:https://macro-money.com/","aria-label":"Macro Money Concepts"},"href":"https://macro-money.com/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Macro Money Concepts","attributes":{},"parsedChildNodes":[],"key":60}],"key":60},{"nodeType":3,"nodeName":"#text","nodeValue":" says that overspending is one of the biggest pitfalls you should watch out for as you try to stick to your new year goals. 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However, if you can’t pay your credit card off at the end of each month, you shouldn’t be using credit.","attributes":{},"parsedChildNodes":[],"key":61}],"key":61},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":62},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"If you want to get out of debt, you can use any number of strategies to do so, including a financial program like YNAB. However, financial expert ","attributes":{},"parsedChildNodes":[],"key":63},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://andreaworoch.com/","target":"_blank","className":"color-link","title":"https://andreaworoch.com/","rel":"nofollow noopener noreferrer","data-ga-track":"ExternalLink:https://andreaworoch.com/","aria-label":"Andrea Woroch"},"href":"https://andreaworoch.com/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Andrea Woroch","attributes":{},"parsedChildNodes":[],"key":64}],"key":64},{"nodeType":3,"nodeName":"#text","nodeValue":" recommends paying down high-interest debt you have with a balance transfer card.","attributes":{},"parsedChildNodes":[],"key":65}],"key":63},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":64},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Woroch adds that many cards in this niche offer 0% interest on balance transfers for anywhere from 12 to 21 months, although balance transfer fees apply.","attributes":{},"parsedChildNodes":[],"key":65}],"key":65},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":66},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"\"This will give you some time to make smaller payments while still making a bigger dent in the debt than you would otherwise,\" she said.","attributes":{},"parsedChildNodes":[],"key":67}],"key":67},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":68},{"nodeType":1,"nodeName":"H2","nodeValue":null,"id":"","attributes":{"className":"subhead-embed color-accent bg-base font-accent font-size text-align"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Save Up Cash For Emergencies","attributes":{},"parsedChildNodes":[],"key":69}],"key":69},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":70},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Financial emergencies are one of the biggest challenges that prevent people from reaching their financial goals. After all, it's much more difficult to save money and plan for the future when your world is suddenly turned upside down.","attributes":{},"parsedChildNodes":[],"key":71}],"key":71},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":72},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Financial analyst Richard Barrington of ","attributes":{},"parsedChildNodes":[],"key":73},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.creditsesame.com/","target":"_blank","className":"color-link","title":"https://www.creditsesame.com/","rel":"nofollow noopener noreferrer","data-ga-track":"ExternalLink:https://www.creditsesame.com/","aria-label":"Credit Sesame"},"href":"https://www.creditsesame.com/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Credit Sesame","attributes":{},"parsedChildNodes":[],"key":74}],"key":74},{"nodeType":3,"nodeName":"#text","nodeValue":" says that saving up emergency funds may be crucial in 2023 if you want to reach your goals, particularly since the Federal Reserve expects unemployment to rise this year.","attributes":{},"parsedChildNodes":[],"key":75}],"key":73},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":74},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Most experts agree that your ","attributes":{},"parsedChildNodes":[],"key":75},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://www.forbes.com/sites/robertfarrington/2023/01/09/where-to-park-your-emergency-fund-in-2023/","target":"_self","className":"color-link","title":"https://www.forbes.com/sites/robertfarrington/2023/01/09/where-to-park-your-emergency-fund-in-2023/","data-ga-track":"InternalLink:https://www.forbes.com/sites/robertfarrington/2023/01/09/where-to-park-your-emergency-fund-in-2023/","aria-label":"emergency fund"},"href":"https://www.forbes.com/sites/robertfarrington/2023/01/09/where-to-park-your-emergency-fund-in-2023/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"emergency fund","attributes":{},"parsedChildNodes":[],"key":76}],"key":76},{"nodeType":3,"nodeName":"#text","nodeValue":" should ideally have at least three to six months of expenses that aren't being allocated to pay for anything else.","attributes":{},"parsedChildNodes":[],"key":77}],"key":75},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":76},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"\"An emergency fund is a good way to have some money available to see you through a financial setback like a period of joblessness,\" said Barrington.","attributes":{},"parsedChildNodes":[],"key":77}],"key":77},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":78},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"\"Otherwise, you may have to resort to borrowing, which only makes the problem worse by adding interest charges to your expenses.\"","attributes":{},"parsedChildNodes":[],"key":79}],"key":79},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":80},{"nodeType":1,"nodeName":"H2","nodeValue":null,"id":"","attributes":{"className":"subhead-embed color-accent bg-base font-accent font-size text-align"},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Don't Let Small Mistakes Ruin Your Plans","attributes":{},"parsedChildNodes":[],"key":81}],"key":81},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":82},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"Finally, Senior Financial Planning Education Consultant Emily Koochel, Ph.D. of ","attributes":{},"parsedChildNodes":[],"key":83},{"nodeType":1,"nodeName":"A","nodeValue":null,"id":"","attributes":{"href":"https://emoneyadvisor.com/","target":"_blank","className":"color-link","title":"https://emoneyadvisor.com/","rel":"nofollow noopener noreferrer","data-ga-track":"ExternalLink:https://emoneyadvisor.com/","aria-label":"eMoney Advisor"},"href":"https://emoneyadvisor.com/","parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"eMoney Advisor","attributes":{},"parsedChildNodes":[],"key":84}],"key":84},{"nodeType":3,"nodeName":"#text","nodeValue":" says it's important to reflect and set money goals. However, you should also remember that humans are never perfect, and that our behavior doesn’t always align with where we hope to be in the future.","attributes":{},"parsedChildNodes":[],"key":85}],"key":83},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":84},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"\"By declaring what is important to us first, and by paying attention to our behavior, we can start to notice our progress towards success, identify the gaps, and determine when our behavior falls short of our ideals,\" she said.","attributes":{},"parsedChildNodes":[],"key":85}],"key":85},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":86},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"With all this in mind, it's also important to understand that everyone makes mistakes and to \"give yourself some grace.\" Ultimately, this means not giving up if you make a poor financial decision or a financial emergency leaves you falling short of your goals for a while.","attributes":{},"parsedChildNodes":[],"key":87}],"key":87},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":88},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"\"If you make a ‘bad’ financial decision, take time to realign and get back on track,\" said Koochel.","attributes":{},"parsedChildNodes":[],"key":89}],"key":89},{"nodeType":3,"nodeName":"#text","nodeValue":"\n","attributes":{},"parsedChildNodes":[],"key":90},{"nodeType":1,"nodeName":"P","nodeValue":null,"id":"","attributes":{},"parsedChildNodes":[{"nodeType":3,"nodeName":"#text","nodeValue":"\"We always have room to grow and 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