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millions of americans make financial resolutions at the start of a new year with finances being at the top of the list unfortunately less than half actually follow through on the resolution in this video ill provide four tips for making a financial resolution that works welcome to todays uw mindful money moment my name is peggy olive and im with the university of wisconsin-madison and the division of extension in annual surveys some of the top new years financial resolutions include sticking with a budget paying off a credit card and saving for emergencies whatever your goal set yourself up for success with these four tips number one break your goal down into small steps for example if you want to figure out a budget you can live with start with one spending category such as groceries or utilities and track that expense for a month or two to learn how much youre currently spending after you know how much you typically spend for that expense then start tracking another expense unt