Another New Year has come and gone, and you’re left with one thing: resolutions. It always starts out great — you really get committed towards a goal that you really want, and you think that there’s no possible way that you could ever get sidetracked. There’s no possible way that you will ever wake up and not be able to really get things done. There’s no possible way that you will ever fail …but eventually, your passion for the resolutions falls flat.

When it comes to resolutions, many people want to get out of debt. Money troubles plague a lot of people, and everyone can usually agree that getting out of debt is a pretty lofty goal. We all want to have a debt free life, and it means that you have to take real steps to getting there. It’s not just enough to set a resolution when you’re filled with champagne and you feel good about the world around you. You’re going to need to make sure that you focus on really getting to your goal.

Taking your bad credit repair goals beyond mere New Year’s Resolutions is a good thing. It means that they have a higher chance of getting done if they’re not just some resolutions that you’re going to forget about.

The first step that you can take is making sure that you tap into your new goals is that you need to get accountability. Getting someone that can hold you accountable can be difficult when it comes to your finances. If you have a best friend that you tell everything to anyway, this might be who you want to confide in. However, you might feel better going with an anonymous person that can help you really figure everything else out. Sure, this can be embarrassing because no one wants to admit that their finances aren’t the best. However, if you really focus on getting the job done in the long run then you’ll get over short term embarrassments.

You also want to build in some rewards. A lot of people find that when they set up rewards, it’s not really a chore. Don’t limit your budget so hard that you get your goals done at the cost of everything else that you love. You often hear stories online of “extreme cheapskates” that slashed just about every last pleasure out of their budget, but the truth is that most people can’t do this at all. They only end up getting tired and frustrated. What would truly be the point of that, honestly? It’s better to make sure that you start thinking about how to get things accomplished rather than just thinking that you’re going to have to deprive yourself. The more you try to deprive yourself in life, the harder it will be to achieve your goals. Weíre not saying go all out on some sort of luxury bender, but it’s easier to make sure that you focus on the task at hand — and that means getting out of debt.

The focus should be on building a plan that you can stick to. Even though people say that budgets donít work, knowing what’s going on in your finances is definitely a great start to a new life — don’t miss out!