Ultimate List of New Year’s Money Resolutions for 2021

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Each year money always tops the list of New Year’s Resolutions.

As the clock strikes midnight, people turn on the switch to break bad habits and start making new resolutions to change.

According to Statista, here are the most common New Year’s Resolutions:

  • Eat healthier
  • Get more exercise
  • Save (more) money
  • Focus on self-care
  • Read more
  • Make new friends
  • Learn a new skill
  • Get a (new) job
  • Take up a new hobby
  • And the “I don’t plan to make New Year’s resolutions”

Personally, I think New Year’s is a great time to examine what worked and what didn’t work in the previous year.

One reason why… Do you want to continue on the same path or not?

If you do, then you need to know what worked and what didn’t work.

If you don’t, then you need to figure out what didn’t work and change it ASAP.

Here is one of my favorite tools to help me stay on track with what I want to achieve in the upcoming year.

Smart money at any age just doesn’t happen overnight.

If someone interviewed you right now, what would you tell them that your money related New Year’s Resolution would be?

Do you have the grit and grind to reach it?

Here are Money Bliss, we have plenty of resources to help you succeed. So, sit down and relax and keep on reading. And make sure to sign up for our emails.

Without further ado, here is an ultimate list of New Year’s Money Resolutions.

Find motivation. Inspiration to achieve your money goals.

To turn your New Year’s Resolution into a habit, check out this post.

Improve your personal finance situation with this ultimate list of over 100 money related New Year's Resolutions. Don't delay in changing your financial future forever.

List of New Year’s Money Resolutions:

1. Save money.

2. Pay off debt.

3. Be prepared for unexpected expenses.

4. Create a Cents Plan (AKA Budget).

5. Learn the steps to financial freedom.

6. Pay off credit cards in full each month.

7. Use cash instead of credit cards.

8. Admit you need to look at your financial situation.

9. Make sure you aren’t making one of these common debt mistakes.

10. Start investing.

11. Learn more about your relationship with money. Check out this FREE program – Struggling to Financially Sound Money Bootcamp.

12. Teach your kids about money.

13. Start meal planning.

14. Start saving now for Christmas gifts.

15. Hold a spending freeze challenge!

16. Use a budgeting app to track your spending.

17. Start living a frugal lifestyle.

18. Stop using credit cards to fund everyday purchases you can’t afford.

19. Get tips to make ends meet even if you are broke.

20. Save an emergency fund.

21. Double check your receipt that you were charged appropriately. Use this resource to help.

22. Start giving money.

23. Figure out how to organize your life and create a simpler life.

24. Trim down your basic expenses.

25. Stop picking up fast food for a quick alternative for dinner.

26. Use slush money (AKA pocket money) to stop fighting about money.

27. Learn the advantages of budgeting.

28. Understand how to live below your means and love life!

29. Learn how to live on next to nothing.

30. Use these tips to pay off debt faster.

31. Start a Roth IRA.

32. Maximize your Health Saving Account (HSA) Contributions.

33. Understand the importance of sinking funds.

34. Learn how to use cash envelope system.

35. Save more money.

36. Live off one income.

37. Use credit cards rewards for FUN spending (if and only if paid off each month).

38. Sell stuff and clutter from around your house.

39. Save for a down payment on a house.

40. Automate your savings.

CIT Bank Money Market Account

41. Review investments in 401k accounts. This resource makes it easy and it is free to use! Here is another free resource to easily track your investments.

42. Meet with a flat fee financial planner or at least start with a money coach.

43. Understand the F.I.R.E. movement.

44. Save extra coins for a rainy day fund.

45. Decide whether or not to pay for college.

46. Make consistent income with a side business.

47. Learn the best methods of budgeting you need to know.

48. Stop going to Starbucks each day (or a couple times a day).

49. Save for college expenses. Or better yet…find scholarships.

50. Track your net worth (seeing progress is super helpful). Free resource to easily track your investments.

51. Set aside money for taxes if self-employed.

52. Super charge your savings like your grandparents did.

53. Use an app to pay off debt.

54. Use gift cards wisely.

55. See if you wasted money this year.

56. Change to eating out 1-2 times a month.

57. Turn your hobby into a way to make money.

58. Start freezing meals for dinner.

59. Review insurance policies.

60. Pay your taxes on time.

61. Take one of our courses to fast track your progress.

62. Go from broke to rich with the right money mindset.

63. Learn what baseball and money have in common.


65. Trim down your grocery budget without rice & beans.

66. Millennials – start investing at a young age.

67. Make sure you have the 6 key bank accounts set up.

68. Give experiences instead of gifts.

69. Understand the concept of time, value, and money.

70. Take care of your financial house first.

71. Go on No-spend date nights (or kid-parent date nights).

72. Don’t be afraid to look at your money situation. Here are great courses to help you!

73. Have enough money for kid’s activities when they are due.

74. Understand the balancing act between life and money.

75. Create a FUN jar.

76. Learn how to manage money and still enjoy life.

77. Accumulate wealth.

78. Refinance those pesky student loans.

79. Pick up the best kitchen gadgets for healthy eating.

80. Stay on budget at Christmas.

81. Conquer your clutter once and for all.

82. Decide if a meal plan subscription will help you reach your other New Year’s resolutions.

83. Make passive income.

84. Use Cash Back Apps for extra spending money.

85. Start participating in random acts of kindness.

86. Start making money with a side hustle.

87. Spend less on material items to experience life.

88. Understand the top 10 frugal living tips with a big impact.

89. Pack a lunch for work rather than eating out.

90. Increase retirement saving to 15% of annual income.

91. Don’t buy these things at the grocery store. This is what we stopped buying to save money.

92. Make sure your wills and power of attorneys (POAs) are up to date.

93. Don’t fall into the debt trap again with these tips.

94. Compare your budget percentages to the average American.

95. Don’t fall for some of the worst financial advice.

96. Find awesome gift ideas when you’re broke.

97. Learn to make a budget in 7 steps.

98. Add these personal finance books to your reading list for 2021.

99. Start saving money each month.

100. Why investing early is so important.

101. Find happy hour specials or kids eat free nights.

102. Make more money.

103. Start saving for vacation.

104. Memorize the 10 Money Rules you need to know.

105. Diversify your income with these 3 income sources.

106. Entrepreneurs – Make wise business marketing decisions.

107. Learn how to score a true deal shopping on Amazon!

108. Change career paths.

109. Save money with one of the 52 week money saving challenges!

110. Don’t give up!

The ultimate list of over 100 New Year’s Money Resolutions to change your life!

Bonus tip:

Did you know you are WAY more likely to reach your goals when you tell others!

Find motivation to change your life with money. Plenty of tips to get you started with New Year’s Resolutions with money!!

There are plenty of ways to go through life. 

You can let money manage you? Or you can manage your money?

Which do you prefer?

Stick around. I promise you will learn a thing or two. Plus greatly improve your money journey.

I want to hear from you… What is your New Year’s Resolutions for 2021?

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Know someone else that needs this, too? Then, please share!!

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