One key to getting financially fit is a creating a household budget. You don't have to get too granular, so skip the complicated categories and subcategories. While having all those details may seem like a great way to help you understand your spending, a budget designed that way is unrealistic to maintain for the long term, says Devin Miller, CEO of Balance Financial.
Automate the tracking process as much as possible. Look for budgeting tools that do the work for you -- aggregating disparate accounts into one place, downloading data nightly, categorizing/memorizing transactions and more.
Monitor your progress. "No one gets it right on the first try, so check in regularly to make sure you have a clear understanding of how much money you have spent or have left, and adjust your budget accordingly," says Miller.
Be transparent. A household budget isn't a state secret. Keep your spouse or significant other up to date on spending, remaining funds and what the priority expenses are to ensure you're on the same page.
The New Year is a fresh start. Learn from last year's mistakes and move on. As for this year's resolutions, don't mean to change, do change.