It's the start of the New Year, and that means consumers are making resolutions—again. The top three financial promises that appear year after year, according to research from Fidelity Investments, include: saving more money, paying off debt and spending less.
As resolutions go, many are often broken. Still, Fidelity says of those who made a financial resolution last year, more than half say they are better off financially.
Even better news: an overwhelming majority of those who set out to improve their finances at the start of the last New Year realized at least half of their goals, while nearly a third achieved their financial goals completely.
Financial resolutions are no easy feat, but they are manageable. Here are four to keep in mind, not just in 2015 but throughout the arc of your life.