CNBC Poll: Financial Plan for the Year?

Your Money Resolutions - A CNBC Special Report

Those pessimistic about the economy probably plan on maintaining their austere ways. After all, the recovery is subpar, stocks prices are basically flat and, well, many of us haven't had a raise in a while.

At the same time, some say stocks are undervalued and retailers of all kinds are offering good deals.

And if that doesn't make sense, perhaps paying down debt does.

So what, if anything, do you plan to change about your finances this year?