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title: How to Keep Your New Year’s Resolutions
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# How to Keep Your New Year’s Resolutions

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<!-- video src="https://cdn.jwplayer.com/manifests/y3jO64l9.m3u8" -->
## Video: My Financial New Year's Resolution is...

[Watch (HLS stream): My Financial New Year's Resolution is...](https://cdn.jwplayer.com/manifests/y3jO64l9.m3u8) (2:55)

![My Financial New Year's Resolution is...](https://cdn.jwplayer.com/v2/media/y3jO64l9/poster.jpg?width=720)

_Published 2015-01-07. MONEY staffers share the different ways they hope to stay on top of their finances in 2015._


by 

[Art Markman](https://time.com/author/art-markman/)


## Art Markman


Dec 28, 2015 1:00 PM UTC

by 

[Art Markman](https://time.com/author/art-markman/)


## Art Markman


Dec 28, 2015 1:00 PM UTC

As a psychology professor, I teach classes on changing behavior, and I usually start by asking my students how many of them have made New Year’s resolutions that failed. Most hands go up. In fact, many people respond that they have stopped making New Year’s resolutions because they don’t work.

But it does not have to be this way. Simply put, if you want to succeed with your New Year’s resolutions, you have to start way before New Year’s Eve to get ready. Don’t make a fervent wish on Dec. 31\. Instead, people need to give themselves some preparation time.

The reason that resolutions fail is that people don’t put in enough effort to allow them to succeed. The things we resolve to change in our lives are generally the systematic failures in our lives. For instance, people often resolve to get in shape, stop smoking or drinking, or to get more serious about establishing a career.

But even if you want to make a change, it is not easy to make systematic changes in your behavior. We have habits that get in the way of achieving our goals. We also have constructed an environment that supports our behavior and have surrounded ourselves with people who help us.

You first have to focus on positive goals rather than negative ones. A positive goal is an action you want to perform; a negative goal is something you want to stop doing. Your habits are memories of actions you perform in a particular situation. You can’t learn _not_ to do something, so if you focus yourself only on stopping behaviors, you will never develop new habits.


For example, when I was growing up, I used to bite my nails. I would resolve periodically to stop biting my nails, but that never worked because I would eventually return to my old habit. When I was in graduate school, I observed my own behavior, and discovered that I bit my nails primarily when sitting at my desk at work. So, I bought a bunch of desk toys and started playing with them instead. It is awkward to bite nails while playing with a toy. I now have the habit to play with desk toys, but I no longer bite my nails.

More people also need to make realistic plans for what they want to change about themselves. If you want to start going to the gym more often, it is not enough to say that you want to go to the gym three times a week. Where is that going to fit on your calendar? You need to pick specific days and add that to your agenda. Unless you get specific, you will have a hard time identifying all of the obstacles that will get in your way. Put the gym on your calendar Monday, Wednesday and Saturday. That is specific enough to give you a fighting chance of succeeding.


People need to make changes to their environment as well. We tend to do things that are easy. A big key to behavior change is to make desirable behaviors easy and undesirable behaviors hard. During the past 50 years, the successful public health campaign to get people to stop smoking has succeeded in part because it is now virtually impossible to smoke in public buildings. As a result, people in the workplace or in restaurants or bars can’t just pick up a cigarette and light it. They have to walk outside. The undesirable behavior has been made hard to do.

Finally, after New Year’s Day, you need to be kind to yourself. Real behavior change is hard. There are days when you will succeed and others when you will fail. On the days you fail, treat that as an opportunity to learn about what to do in the future rather than as a reason to give up. People really can succeed with their New Year’s resolutions. They just have to plan ahead.


_Art Markman is the founding director of the Program in the Human Dimensions of Organizations, the author of “Smart Change,” and the Annabel Irion Worsham Centennial Professor of Psychology and Marketing at The University of Texas at Austin_


## Transcript

Ten, nine, eight, seven, six, five, four, three, two, one. [ MUSIC ] I've had about eight different jobs over the course of my career. And I have about. Eight different 401k plans and 8 different financial institutions, and so in 2015 I'm going to consolidate them all in one nut so large 401k plan. My financial New Years resolution is to get a credit card this year. My New Years resolution is to spend less on other people. I know that doesn't seem like a very positive resolution but when I look at where I spend my money. My biggest spending is leak is spending money on presents for other people.

My financial New Year's resolution is to work on my plan B. Now don't get me wrong, I love my job. Hear that boss? I love my job. But you know you'd be a fool in this day and age when industries change and companies change and personal passions and situations change not to have a backup plan in mind. I wanna like get my get my 401 ( k ) straight. Get those contributions set that all up. My financial resolution. Is to look at my retirement account balance less frequently. I don't need to look at it every time the market goes up a few hundred points or down a few hundred points. I have a long- term asset allocation, I've set up my contribution rate, I just have to leave well enough alone.

It's a career goal. And that's not necessarily to get ahead or to fall behind. But to get control of my e- mail. Because e- mail runs me, rather than me running e- mail. I just generally like, looking at my benefits. See what that's about. My New Years resolution is to stop spending so much money on Seamless. And then to use that money [ LAUGH ] to beef up my emergency saving. Not being out as much. My financial new years resolution this year is to try out, try to finally get ahold of credit card debt. I seem like I go through the whole year, and I do a pretty good job, and there is that one card that always pops up at the end of the year, that's got a balance of 1, 500 to 2, 500 dollars.

Generally start, start saving money, emergency funds. Really a lot of things. This year I'm finally going to switch banks. This has been something I've been planning to do for years and years but it is a little investment of time. You have to make a few phone calls and a couple emails. But I'm gonna go from my big national bank to an online- only bank. Actually, one of the ones we recommended, Money recommended, in best banks. So I'm actually really excited about it.

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