3. Save, save, save

Even if youโ€™re only socking away $20 a week in a low-interest account, itโ€™s important to make a resolution to save this year. That $20 may have bought two tall double-whip lattes, or a new scarf, but having a little nest-egg for emergencies, rather than relying on credit cards, is much more important.

Pay down Credit Cards