We all have more than a few well-intentioned New Year’s Resolutions that never make it to February. We mean well, and we try hard to stick to our life-changing plans, but it seems inevitable that we’ll fail.

If you want to make lasting financial resolutions, you have to include a certain level of detail in your goals.

Try these 7 steps to help you create financial tips that will stick:

1. Make your goals specific.

In order to make realistic financial goals, you have to be very specific about what you want to attain. “I will save more money this year,” gives you lots of wiggle room to shirk your new goals. A more specific goal like, “I will save 7% of my income each month,” is very specific and helps keep you on target.

2. Make your goals measurable.

In order to determine if you’re meeting your goals or if you need to step up your efforts, you have to create a goal that includes measurable outcomes. If you set a goal to spend your grocery money more wisely this month, you have to include examples of what smart grocery shopping looks like. Are you buying items in bulk? Do you only buy groceries when they’re on sale? Are you shopping at discount food stores? Are you spending less on higher-priced processed and ready-to-eat foods?

3. Set a time limit.

Who says New Year’s resolutions have to be set in stone as of January 1st? Make a goal for the first thirty days and include a reminder to set another goal for the next month. Can’t make it through thirty days consistently? No problem. Set your goals for smaller periods of time.

4. Reward yourself.

One of the best ways to create a lasting habit is to make the experience pleasurable. Forget the guilt trip over not keeping your resolutions; just give yourself a break and start anew as soon as you realize you’re failing. Reward yourself often for meeting even the smallest aspects of your financial resolutions.

5. Be realistic.

While we’d all love to become millionaires overnight, setting a goal to become “rich” in a short period of time isn’t very realistic.Don’t set yourself up for failure by including unrealistic details in your financial goals. It’s completely acceptable (and encouraged!) to dream, but not to set goals that are impossible to achieve.

6. Get help.

When setting financial goals for the new year, don’t forget to include an accountability partner to help keep you on track. This person can be a trusted friend, family member, or professional that will check in periodically to see how you’re doing with your goals. When you have to answer to someone else, you’re more likely to curb your undesirable behavior.

If you would like to set up a no-cost consultation with the Investment & Retirement Center* located at First Financial Federal Credit Union to discuss your savings and retirement goals, contact them at 732.312.1500.

7. Change your attitude.

One way to reinforce your desire to make lasting changes is to change the way you perceive your finances. Set a goal to read one book a month about finances, take a financial management class, or spend time with people who have a solid grip on their finances. Talk to people who are where you want to be at the end of the year. Surround yourself with information and encouragement to help make this year’s financial resolutions a success.

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First Financial is not responsible for any content listed on external websites. *Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 800-369-2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America.