As a new year begins, many people feel a strong urge to “get their finances in order.” We promise ourselves we’ll save more, spend less, invest better, and finally feel confident about our money.

Yet by the time spring arrives, most financial resolutions have quietly faded away.

The issue usually isn’t motivation. It’s that many resolutions are built on unrealistic expectations, vague goals, or short-term thinking. The good news? The financial changes that actually stick tend to look very different—and much more manageable.

Let’s break down which resolutions usually fail, and which ones have a much better chance of lasting all year (and beyond).

Financial Resolutions That Usually Fail

“I’m going to spend a lot less this year.”
This sounds responsible, but it’s often too broad. Without a clear plan or priorities, it quickly turns into frustration. Life happens—unexpected expenses, travel, family needs—and rigid spending rules rarely survive real life.

“I’ll start investing more once the market settles down.”
This resolution depends on something none of us can control. Markets don’t ring a bell when uncertainty is over, and waiting for the “right time” often leads to missed opportunities.

“I’ll fix everything at once.”
Trying to overhaul saving, investing, debt, taxes, and spending all at the same time is overwhelming. When the plan feels too big, it’s easy to abandon it altogether.

“I’ll just be more disciplined.”
Discipline alone is rarely enough. Systems, structure, and clarity matter far more than willpower—especially when emotions and market headlines are involved.

Financial Resolutions That Actually Stick

“I’ll review my full financial picture.”
One of the most effective financial moves you can make early in the year is simply reviewing where you stand. Understanding your income, expenses, investments, tax situation, and goals creates clarity—and clarity leads to better decisions.

“I’ll focus on progress, not perfection.”
Small, consistent improvements tend to last longer than drastic changes. Whether it’s increasing savings slightly, simplifying accounts, or improving tax efficiency, steady progress builds confidence.

“I’ll make decisions I can stick with during uncertainty.”
A good financial strategy isn’t just one that looks good on paper—it’s one you can maintain when markets are volatile or headlines feel unsettling. Resolutions built around sustainability are far more likely to last.

“I’ll connect my money to my real life.”
When financial goals are tied to what matters most—freedom, family, flexibility, or peace of mind—they feel less like chores and more like tools. That connection makes follow-through easier.

Why the Best Resolutions Are Boring (and That’s a Good Thing)

The financial resolutions that stick aren’t flashy. They don’t rely on perfect timing, bold predictions, or constant attention. Instead, they’re rooted in clarity, structure, and realistic expectations.

At Lockwood Financial Strategies, we often see that confidence doesn’t come from doing more—it comes from having a plan you understand and trust, especially during uncertain times.

As you move into the year ahead, consider choosing one or two financial priorities that feel realistic and meaningful. Those are the ones most likely to still be in place when next year rolls around.

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Philip Lockwood | Founder + Managing Partner

Address: 1501 Ingersoll Ave. Suite 201  Des Moines, IA 50309 Phone: 515-274-8006

Email: Plockwood@parklandrep.com Website: Lockwood Financial Strategies  Securities offered through Parkland Securities, LLC, member FINRA (FINRA.org) and SIPC (SIPC.org). Investment Advisory services offered through SPC, a Registered Investment Advisor. Lockwood Financial Strategies, LLC is independent of Parkland Securities, LLC and SPC