If you set a resolution such as reduce debt or increase savings, it might be difficult to change your behaviour to achieve it. Be more specific! First, you will need to take some time and do the budgeting basics by listing your fixed and variable expenses. Do not forget to foresee an annual amount for unexpected events. Once you have a clear view of your finances you will be able to identify what your financial goal has to look like: build an emergency fund by saving a certain monthly amount, accumulate savings for a specific goal, reduce debt to a certain level, etc.