Dear Readers: We’re now in the mid-January, and do you know what that means? For a lot of us, it means our New Year’s resolutions are already a thing of the past. It isn’t that we’re not committed to positive change. It’s just that often we’re not clear about how to achieve it. Especially if resolutions are general—sure, we all want to lose weight or save more money, but it can be hard to follow through. So what’s the answer? First, when it comes to your finances, get specific about what you really want to accomplish. For instance, how much do you want to save each month? What bills do you want to pay off first? The second essential part of success is making a plan and then sticking with it. The following financial hacks are designed to help make it easy to stay on track. These are seven simple …