Did you know that less than 25% of people stay committed to their resolutions after just a month? In my opinion, it is better to set goals rather than the former that tend to be broad and vague. On the other hand, goals are more actionable hence more effective most of the time.

I try to keep my resolutions open-ended and assume they have to be ongoing, maybe forever. Eating better and saving money within a general range are my two ongoing ones.

My never ending resolution is staying employed. A future financial goal is saving enough for another overseas trip. Yeah, it's better to set goals that aren't so much about getting to the one year mark.

Making a resolution doesn't necessarily mean you have to accomplish something, just stay determined to do something. Or not do something for that matter. I can make a resolution to stay out of debt which means NOT spending more than I make.

I make plans. It means the same as a resolution to me. But to be honest, I do this more during the year than at the start of it.

Making a resolution doesn't necessarily mean you have to accomplish something, just stay determined to do something. Or not do something for that matter.

Agreed. I think what makes people give up so soon is thinking too black and white. If a health or financial number is not an exact or "better" number by one date, often before spring, then out goes the resolution.

It makes more sense to set goals, but these are usually long-term in nature. I also don't think that resolutions made at the end of each year matter anyway; this ought to be a continuous process. On this note, my goal is to be a better spender and wise saver.

My never ending resolution is staying employed. A future financial goal is saving enough for another overseas trip. Yeah, it's better to set goals that aren't so much about getting to the one year mark.

Have you (in the past) thought about quitting employment? It has crossed my mind severally, but then it doesn't make sense to leave your job without a plan. What motivates you to stay employed?

There's no way I can quit, maybe ever...! There's always a bill to pay off and unfortunately, I also have debt to pay down. Credit cards are the devil. But on the plus side, I do enjoy the structure of meeting deadlines and feeling helpful.

I'm not too concerned about staying employed. I know of way too many ways of making money to be concerned about not making money. It's making enough money to meet expenses that keep me up at night from time to time.