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A popular area to target, the sheer scope of personal finance can overwhelm those with good intentions. However, even if you struggle to keep your resolutions, research shows steady commitment can yield powerful results. To make this year one for the financial record books, take these six New Year’s resolutions as your starting point. 1. Lower Debt !!! Debt provides one of the most pernicious stumbling blocks for personal finance. Regardless of how much we plan and save, debt payments can cripple finances and make it difficult to get ahead. Before you can truly reinvent your financial situation, you must come to terms with your debt load. It’s often impractical to tell yourself you will pay off all your debt. Instead, create a plan to lessen the burden and pay it off steadily over time. Look at your interest rates, and determine which debt costs you the most money on a monthly basis. 2. Increase Savings !!! Once you’ve created a plan for your current debt, the next step is to ram...

Stay cool and hydrated. Drink water, at least two to four cups (16-32 ounces) upon rising, and similar amounts if you are going out for activities and exercise. Carry water with you in a hard-plastic container (more stable polycarbonate rather than polyethylene that leaches plastic into the water). You may also use a traveling water filter. Most people need two to three quarts of liquid per day, and more in hot weather or with sweating and exercise. While enjoying the sun and outdoors, protect yourself from overexposure to sunlight by wearing a hat and using natural sunscreens without excessive chemicals. Carry Aloe Vera gel for overexposure and have an aloe plant growing in your home for any kind of burn. The cooling and healing gel inside the leaves will soothe any sunburn. It works great. Keep up or begin an exercise program. Aerobic activity is important for keeping the heart strong and healthy. If you only work out in a health club, take some time to do outdoor refreshing acti...