As the New Year begins, it’s a great time to set financial goals alongside personal resolutions. To enhance success, consider using the SMART criteria—goals should be Specific, Measurable, Attainable, Realistic, and Timely. Break down larger savings targets into short-term objectives to maintain motivation. Accountability is crucial, so consult a financial advisor for guidance. Key resolutions include creating a spending plan, scheduling a financial review, and educating yourself and your children about personal finance. These steps can help you take control of your financial future and ensure you stay on track throughout the year.