The Herald Bulletin

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December 28, 2013

Big Joe Clark column: Resolve to stick to your New Year's resolutions

Well, it’s that time again when many people sit down and decide which New Year’s resolution they will set as the clock strikes midnight to bring us into a new year.

According to the Journal of Clinical Psychology at the University of Scranton, the most popular resolution for 2012 was to lose weight, followed by getting organized and saving more money. It’s good to see that a financial-related resolution was in the top three for this year.

Many Americans are still trying to dig out of the financial hole they found themselves in after the financial crisis of 2009. While the housing market has improved and the unemployment rate has been falling, there is still much we can do to better the financial picture for ourselves and our families.

Some view it as cliché to make a resolution for New Year’s; it’s hard to blame them, as so few of us are able to accomplish what we resolve each year. According to the previously mentioned Psychology Journal, only 46 percent of people make it past the first six weeks of the year before breaking their resolution.

This doesn’t have to be the case. There is no reason to not make 2014 your year! Get your family involved and make it a joint effort. You can also share your resolution with others; have someone keep you accountable.

If you decide that you want to set a budget and save a specific amount each month, see if a friend would like to do the same. At the end of each month you can check in with each other to make sure you are each on track.

Another important task to check off at the start of the New Year is planning a budget for the entire year. This doesn’t have to be as daunting as it sounds.

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