How to Maintain the Pledge to Fix Your Finances from Your New Year’s Resolution. Ringing in the New Year is not only about enjoying, it is also the best time to set your new financial resolutions. While it is important to set personal goals such as getting in proper shape and learning new languages, you should not forget your finances. Whether you’re on the lookout to improve your own retirement account and eliminate debt, it is all about having and setting quantitative and realistic goals.