Try these money resolutions
New Year's resolutions fail because we rely on willpower to do too much, too fast. Research into behavioral finance tells us our brains are wired to defeat us: We value present pleasures over future gains (a phenomenon known as hyperbolic discounting), we resist change (status quo bias) and we don't acknowledge the barriers we're likely to face (overconfidence).
There's a better approach: Circumvent your brain's vulnerabilities with a system that has you tackling 1 important financial task each month. To make sure things get done, prompt yourself with calendar reminders that alert you to which task is due.
Here's a month-by-month guide for the new year.