Editor’s note: This is a transcript of the audio file.

If one of your resolutions on New Year’s Eve was to actually keep your resolutions this year, you’re not alone — many people start the year with the best of intentions but fall into their old habits before February.

I’m Sheyna Steiner with the Bankrate.com personal finance minute.

To stick to your resolutions this year, really focus on goals that you really want to achieve. Not goals you think you should want — make them meaningful to you.

That will make it easier to keep your list of resolutions manageable. Focus on two or three resolutions you can keep — and make them specific.

Avoid ambiguous statements like I’ll work out more in favor of specifics such as the days and time you will be in the gym.

Finally don’t be afraid to broadcast your plans. Skip the naysayers who will be counting the days until you fail and share your plans with supportive friends or family who can cheer you along the way.

For more on this, and other personal finance issues, visit Bankrate.com. I’m Sheyna Steiner.