01.01.2025 By Amy Miller, AFC®

Turn Resolutions into Results: Progress, Not Perfection

Have you found yourself setting resolutions to improve your financial situation this year? You’re not alone. Most of us start the new year with high hopes of major (and perfect) change and financial transformation. Unfortunately, the truth is that over half (56% or more, by some accounts) of Americans who make financial resolutions abandon them because they become overwhelmed and discouraged when their plan doesn’t go as they thought it should.

 

With that in mind, this year, instead of aiming for perfection, let’s focus on progress. It’s the small, consistent actions that truly make the biggest difference over time, turning your aspirations into meaningful results.

Ready to make a fresh start? Follow these simple, practical steps to move forward, one choice at a time.

  1. Start with a Small, Achievable Step

Big goals can feel overwhelming but breaking them into smaller steps makes them manageable.

  • Choose one small, actionable step to start with, like saving $10 a week or packing lunch twice a week instead of eating out.
  • Commit to one change at a time. Once it becomes a habit, build on it with another small step.
  • Celebrate small successes—they build momentum and confidence.
  1. Track Progress, Not Perfection

It’s not about doing everything right—it’s about moving forward. Tracking helps you stay motivated and accountable.

  • Use a budgeting app, a savings tracker, or a notebook to record your progress.
  • Note each win, no matter how small: saving an extra $20, saying no to an impulse buy, or meeting a weekly goal.
  • Review your progress regularly to remind yourself how far you’ve come.
  1. Celebrate Every Milestone

Acknowledging your achievements keeps you motivated and excited about your goals.

  • Define milestones, like saving your first $100 or sticking to your plan for the first month.
  • Choose simple, meaningful rewards, like treating yourself to a favorite activity or a relaxing night in.
  • Reflect on how these wins bring you closer to your larger goals.
  1. Make Adjustments Along the Way

Flexibility is key because life doesn’t always go as planned.

  • Revisit your budget every month to see what’s working and where changes are needed.
  • Adjust your savings goals or spending habits if your income or expenses change.
  • Don’t let setbacks discourage you. Focus on finding solutions and continuing to move forward.
  1. Use Tools to Stay on Track

Having the right tools makes saving easier and more efficient.

  1. Focus on One Choice at a Time

Every decision you make brings you closer to your goal.

  • Start by saying “yes” to small saving opportunities, like canceling unused subscriptions and putting $10 into savings. (check out our list of 54 ways to save)
  • Avoid the temptation of impulse purchases by waiting 24 hours before making a decision.
  • Remind yourself that progress happens one step at a time—every choice matters.

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Take Action Today
Turning resolutions into results doesn’t require perfection, just consistent progress. By starting small, tracking your progress, and celebrating along the way, you’ll create lasting financial habits. Remember, every step forward is a step toward success.

Ready to get started? Take the America Saves Pledge and commit to building your savings one choice at a time!

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