5 Solutions To Keep Your New Year's Resolution

It’s a new year, and for many of us, that means fresh goals and big plans—but let’s be honest, sticking to resolutions isn’t easy. By February, most of us have already given up. Why? Because life happens. Unexpected expenses, the excitement of the “new year, new me” vibe fades, and suddenly those big goals feel impossible to achieve.

The truth is, a successful resolution isn’t about avoiding adversity—it’s about learning how to push through it. So if you’re ready to make this the year you actually stick to your resolutions, here’s how to keep going, even when it gets tough.

1. Break It Down: Small Wins Lead to Big Success

When a goal feels too big, it’s easy to get overwhelmed. Instead of focusing on the end result, break your goal into smaller, manageable steps. For example, if your resolution is to save $1,000 this year, start by aiming to save $20 a week. Those small wins will build momentum, and before you know it, you’ll hit your bigger goal.

2. Remember Your “Why”

When adversity hits, it’s easy to throw in the towel. That’s why it’s crucial to stay connected to your why. Why do you want to save money? Why is paying off debt important to you? Make your “why” personal. Instead of saying, “I want to save for a vacation,” think, “I want to take my kids to the beach and make memories they’ll always cherish.” Having a clear reminder of what you’re working toward can help you stay focused, even when the journey gets challenging.

3. Embrace Setbacks as Part of the Process

Nobody’s perfect, and setbacks are inevitable. Maybe an unexpected car repair forces you to dip into your savings, or you splurge a little too much on that post-holiday sale. That’s okay. Progress isn’t about perfection—it’s about persistence. When setbacks happen, don’t give up on your goal. Adjust your plan if needed, and keep moving forward. The key is to keep going, even if your progress feels slow. Every small step you take gets you closer to your goal.

4. Automate Your Success

The less you have to rely on willpower, the more likely you are to stick to your goals. Set up automatic transfers to your savings account, enroll in autopay for bills, or tag expenses within our Online or Mobile Banking to receive the clarity you need to manage your finances effectively. Automation helps you stay on track without having to even think about it, helping you make smarter choices.

5. Find Your Cheerleaders

Staying motivated is easier when you’re not doing it alone. Share your goals with a trusted friend, family member, or even a financial coach. Having someone to cheer you on, or hold you accountable, can make all the difference. Plus, you'll have someone to celebrate with when you hit those milestones along the way.