{"id":1505,"date":"2023-01-06T17:42:31","date_gmt":"2023-01-06T17:42:31","guid":{"rendered":"https:\/\/www.sprucemoney.com\/resource-center\/?p=1505"},"modified":"2026-05-06T18:57:41","modified_gmt":"2026-05-06T18:57:41","slug":"new-years-resolution","status":"publish","type":"post","link":"https:\/\/www.sprucemoney.com\/resource-center\/planning\/new-years-resolution\/","title":{"rendered":"Spruce users share: \u201cMy New Year\u2019s Resolution for 2023 is&#8230;&#8221;"},"content":{"rendered":"\n<p>Raise your hand if you\u2019re looking for financial reset in 2023. It\u2019s been a rough road the last few years, so who isn\u2019t ready for a refresh for their money matters?<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"612\" height=\"436\" src=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/01\/Spruce-New-Years-Resolution-survey-results.png\" alt=\"\" class=\"wp-image-1514\" style=\"width:459px;height:327px\" srcset=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/01\/Spruce-New-Years-Resolution-survey-results.png 612w, https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/01\/Spruce-New-Years-Resolution-survey-results-300x214.png 300w\" sizes=\"auto, (max-width: 612px) 100vw, 612px\" \/><figcaption class=\"wp-element-caption\">Spruce customer survey results<\/figcaption><\/figure>\n<\/div>\n\n\n<p>Of course, being better with money looks different for everyone. As we kickstart this new year, we wanted to hear what money-related New Year\u2019s resolutions Spruce customers set for themselves and why.<\/p>\n\n\n\n<p>Improving credit, saving more, and spending less topped the list for respondents in our recent survey. To see what else customers had to say, check out the quotes below. <\/p>\n\n\n\n<p>Plus keep reading for our New Year\u2019s resolution tips and how Spruce can help you be better with money this year and beyond.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-tips-for-your-new-money-mindset\">3 Tips for your new money mindset<\/h2>\n\n\n\n<p>Sticking with any New Year\u2019s resolution can be tough but having the right frame of mind can help. Here are some tips for keeping yourself on track.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Create a support network.<\/strong> Talk to friends and family about the goals you\u2019re setting or changes you want to make. Your social circle can be a game changer for a motivational assist and for helping you along the way. For example, if <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/spending\/money-management-tips\/\">spending less and money management<\/a> is your goal, your friends may be apt to suggest low-budget hangouts instead of more extravagant nights out on the town.<\/li>\n\n\n\n<li><strong>Dream big but start with small steps.<\/strong> Most financial goals won\u2019t happen overnight. Quite often it\u2019s a few small changes that can lead to big wins. Take <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/building-credit\/how-to-start-building-credit\/\">building your credit score<\/a>. Paying bills on time is a critical first step in improving your numbers. And, when it comes to savings, small amounts can add up over time. Just $5 a week adds up to more than $250 in a year.<\/li>\n\n\n\n<li><strong>Value resiliency over consistency<\/strong>. Slips and setbacks happen, but they shouldn\u2019t derail you. Let\u2019s say you resolved to save an extra $50 each month, but that didn\u2019t pan out in March\u2026 or April. Don\u2019t feel like you should throw in the towel if your plan isn\u2019t going like clockwork.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-create-block-hrb-article-cta\" class=\"wp-block-create-block-hrb-article-cta\" style=\"background-color:#005D1F\"><div class=\"hrb-article-cta--image\" style=\"background-image:url(&quot;https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2024\/06\/spruce-susan-resized.png&quot;);background-size:contain;background-position:center;background-repeat:no-repeat\"><\/div><div class=\"hrb-article-cta--copy standard\"><h3 class=\"main-heading\">Easy money management, no monthly fees. Explore the Spruce mobile banking app, built by H&amp;R Block.<\/h3><div class=\"quick-links-list\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/account.sprucemoney.com\/signup\/\">Get started<\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<p class=\"is-style-diy-tiny-text\">Spruce fintech platform is built by H&amp;R Block, which is not a bank. Bank products by Pathward\u00ae, N.A., Member FDIC.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Spruce customers share their resolutions and why they\u2019re important<\/h2>\n\n\n<div id=\"gutenslider-tom0s402z\" class=\"wp-block-eedee-block-gutenslider content-change alignnone arrow-style-1 arrow-position-sides arrow-mb-none arrows-lg arrows-md arrows-sm dot-style-1 dots-lg dots-md dots-sm dot-position-bottom is-position-center-center mb-none\" style=\"--gutenslider-min-height: 50vh;--gutenslider-arrow-size: 30px;--gutenslider-dot-size: 25px;--gutenslider-arrow-color: #ffffff;--gutenslider-dot-color: #ffffff;--gutenslider-padding-y-mobile: 40px;--gutenslider-padding-x-mobile: 40px;--gutenslider-padding-y-tablet: 40px;--gutenslider-padding-x-tablet: 40px;--gutenslider-padding-y-desktop: 40px;--gutenslider-padding-x-desktop: 40px;--gutenslider-bg-image: url();--gutenslider-min-height-md: 50vh;--gutenslider-min-height-sm: 50vh;--gutenslider-padding-x: 40px;--gutenslider-padding-x-md: 40px;--gutenslider-padding-x-sm: 20px;--gutenslider-padding-y: 40px;--gutenslider-padding-y-md: 40px;--gutenslider-padding-y-sm: 20px;--gutenslider-arrow-size-md: 30px;--gutenslider-arrow-size-sm: 30px;--gutenslider-dot-size-md: 25px;--gutenslider-dot-size-sm: 25px;--gutenslider-arrow-bg-color: transparent;--gutenslider-arrow-hover-color: #eeeeee;--gutenslider-arrow-bg-hover-color: transparent;--gutenslider-arrow-x-offset: 10px;--gutenslider-arrow-x-offset-md: 10px;--gutenslider-arrow-x-offset-sm: 10px;--gutenslider-arrow-y-offset: 0px;--gutenslider-arrow-y-offset-md: 0px;--gutenslider-arrow-y-offset-sm: 0px;--gutenslider-arrow-x-spacing: 0px;--gutenslider-dot-y-offset: 10px;--gutenslider-dot-y-offset-md: 10px;--gutenslider-dot-y-offset-sm: 10px;--gutenslider-margin-x: 0px;--gutenslider-margin-x-md: 0px;--gutenslider-margin-x-sm: 0px;--gutenslider-margin-y: 0px;--gutenslider-margin-y-md: 0px;--gutenslider-margin-y-sm: 0px;--gutenslider-divider-top: 60px;--gutenslider-divider-bottom: 60px;--gutenslider-lightgallery-bg: #ffffff;--gutenslider-lightgallery-font: #000000;\" data-parallax-direction=\"down\" data-parallax-amount=\"1.3\" data-lg-transition=\"lg-slide\" data-hash=\"\"><div class=\"eedee-swiper-outer\"><div class=\"gutenslider-divider-top\" style=\"color:#fff; height:60px;\"><\/div><div class=\"swiper\" data-settings='{\"autoplay\":false,\"speed\":700,\"direction\":\"horizontal\",\"autoHeight\":\"\",\"loop\":true,\"centeredSlides\":true,\"spaceBetween\":0,\"slidesPerView\":1,\"slidesPerGroup\":1,\"effect\":\"slide\",\"coverflowEffect\":{\"rotate\":30,\"slideShadows\":false,\"depth\":100,\"stretch\":50,\"modifier\":1},\"fadeEffect\":{\"crossFade\":true},\"zoom\":\"\",\"navigation\":{\"nextEl\":\"#gutenslider-tom0s402z .eedee-gutenslider-next\",\"prevEl\":\"#gutenslider-tom0s402z .eedee-gutenslider-prev\"},\"pagination\":{\"type\":\"bullets\",\"clickable\":true,\"dynamicBullets\":false,\"el\":\"#gutenslider-tom0s402z .eedee-gutenslider-pagination\"},\"pauseOnHover\":\"1\",\"watchSlidesProgress\":true,\"watchSlidesVisibility\":true,\"settingsMd\":{\"autoHeight\":\"\",\"slidesPerView\":1,\"slidesPerGroup\":1,\"spaceBetween\":0},\"settingsLg\":{\"autoHeight\":\"\",\"slidesPerView\":1,\"slidesPerGroup\":1,\"spaceBetween\":0},\"hasLg\":false,\"hasLgCounter\":true,\"isFullScreen\":false,\"arrowsFollowMouse\":false,\"lgTitle\":\"none\",\"lgCaption\":\"none\",\"lgThumbnails\":true,\"keyboard\":{\"keyboard\":{\"enabled\":true,\"onlyInViewport\":true}},\"hashNavigation\":false}'><div class=\"swiper-wrapper\">\n<div class=\"swiper-slide wp-block-eedee-block-gutenslide is-position-center-center ed-bg-image\" style=\"--ed-vw:300;--ed-vh:200;\" data-hash=\"\"><div class=\"eedee-background-div bg-image\"><img loading=\"lazy\" decoding=\"async\" width=\"559\" height=\"372\" class=\"swiper-lazy wp-image-1523\" src=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/01\/NY-resolution-quote-1.1.jpg\" alt=\"\" style=\"object-fit: cover; object-position: 50% 50%;\"  data-title=\"NY resolution quote 1.1\" srcset=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/01\/NY-resolution-quote-1.1.jpg 559w, https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/01\/NY-resolution-quote-1.1-300x200.jpg 300w\" sizes=\"auto, (max-width: 559px) 100vw, 559px\" \/><div class=\"eedee-background-div__overlay\" style=\"opacity:1;\"><\/div><\/div><div class=\"slide-content\">\n\n<p class=\"has-text-align-center gutenslider-content-initial has-larger-font-size\"><\/p>\n\n<\/div><\/div>\n\n<div class=\"swiper-slide wp-block-eedee-block-gutenslide is-position-center-center ed-bg-image\" style=\"--ed-vw:300;--ed-vh:202;\" data-hash=\"\"><div class=\"eedee-background-div bg-image\"><img loading=\"lazy\" decoding=\"async\" width=\"562\" height=\"378\" class=\"swiper-lazy wp-image-1519\" src=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/01\/NY-Quote-2.jpg\" alt=\"\" style=\"object-fit: cover; object-position: 50% 50%;\"  data-title=\"NY Quote 2\" srcset=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/01\/NY-Quote-2.jpg 562w, https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/01\/NY-Quote-2-300x202.jpg 300w\" sizes=\"auto, (max-width: 562px) 100vw, 562px\" \/><div class=\"eedee-background-div__overlay\" style=\"opacity:1;\"><\/div><\/div><div class=\"slide-content\">\n\n<p class=\"has-text-align-center gutenslider-content-initial has-larger-font-size\"><\/p>\n\n<\/div><\/div>\n\n<div class=\"swiper-slide wp-block-eedee-block-gutenslide is-position-center-center ed-bg-image\" style=\"--ed-vw:300;--ed-vh:204;\" data-hash=\"\"><div class=\"eedee-background-div bg-image\"><img loading=\"lazy\" decoding=\"async\" width=\"560\" height=\"380\" class=\"swiper-lazy wp-image-1520\" src=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/01\/NY-Quote-3.jpg\" alt=\"\" style=\"object-fit: cover; object-position: 50% 50%;\"  data-title=\"NY Quote 3\" srcset=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/01\/NY-Quote-3.jpg 560w, https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/01\/NY-Quote-3-300x204.jpg 300w\" sizes=\"auto, (max-width: 560px) 100vw, 560px\" \/><div class=\"eedee-background-div__overlay\" style=\"opacity:1;\"><\/div><\/div><div class=\"slide-content\">\n\n<p class=\"has-text-align-center gutenslider-content-initial has-larger-font-size\"><\/p>\n\n<\/div><\/div>\n<\/div><\/div><button class=\"eedee-gutenslider-nav eedee-gutenslider-prev\" aria-label=\"Previous Slide\" aria-disabled=\"false\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"24\" height=\"24\"><circle class=\"bg\" cx=\"13\" cy=\"12\" r=\"11\" \/><path fill=\"none\" d=\"M0 0h24v24H0z\"\/><path class=\"arrow\" d=\"M10.828 12l4.95 4.95-1.414 1.414L8 12l6.364-6.364 1.414 1.414z\"\/><\/svg><\/button><button class=\"eedee-gutenslider-nav eedee-gutenslider-next\" aria-label=\"Next Slide\" aria-disabled=\"false\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"24\" height=\"24\"><circle class=\"bg\" cx=\"11\" cy=\"12\" r=\"11\" \/><path fill=\"none\" d=\"M0 0h24v24H0z\"\/><path class=\"arrow\" d=\"M13.172 12l-4.95-4.95 1.414-1.414L16 12l-6.364 6.364-1.414-1.414z\"\/><\/svg><\/button><div class=\"eedee-gutenslider-pagination\"><\/div><\/div><div class=\"gutenslider-divider-bottom \" style=\"color:#fff; height:60px;\"><\/div><\/div>\n\n\n<p>Resolutions received from Spruce customers as part of a sweepstakes survey.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-see-how-spruce-can-help-you-be-better-with-money\">See how Spruce can help you be better with money<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"240\" height=\"123\" src=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/01\/New-Years-Resolution-thumbnail.jpg\" alt=\"\" class=\"wp-image-1511\"\/><\/figure>\n<\/div>\n\n\n<p>If you\u2019ve resolved to better your finances this year, give yourself a pat on the back! At Spruce, we\u2019re all about being better with money and we have lots of ways to help.<\/p>\n\n\n\n<p>Spruce lets you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>monitor your credit score for free<sup><button data-disclaimer-trigger=\"5\" class=\"js-disclaimer-link\"><span class=\"reader\">Disclaimer number<\/span><span>5<\/span><span class=\"reader\">. Go to disclaimer for more details.<\/span><\/button><\/sup><\/li>\n\n\n\n<li>easily tuck money away in dedicated saving goals<\/li>\n\n\n\n<li>get your paycheck up to 2 days early<sup><button data-disclaimer-trigger=\"2\" class=\"js-disclaimer-link\"><span class=\"reader\">Disclaimer number<\/span><span>2<\/span><span class=\"reader\">. Go to disclaimer for more details.<\/span><\/button><\/sup>, and<\/li>\n\n\n\n<li>tap into fee-free overdraft protection up to $20<sup><button data-disclaimer-trigger=\"6\" class=\"js-disclaimer-link\"><span class=\"reader\">Disclaimer number<\/span><span>6<\/span><span class=\"reader\">. Go to disclaimer for more details.<\/span><\/button><\/sup><\/li>\n<\/ul>\n\n\n\n<p>all with no monthly fees, no sign-up fees, and no minimum balance requirement. (See Fee transparency)<\/p>\n\n\n\n<p>Find out more about all the&nbsp;<a href=\"https:\/\/www.sprucemoney.com\/features\/\">features\u202fSpruce<\/a>&nbsp;has to offer.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/account.sprucemoney.com\/signup\/\"><strong>Get started with Spruce!<\/strong>&nbsp;<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><em>This information provided for general educational purposes only. It is not intended as specific financial planning advice as everyone\u2019s financial situation is different.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Raise your hand if you\u2019re looking for financial reset in 2023. It\u2019s been a rough road the last few years,\u2026<\/p>\n","protected":false},"author":1,"featured_media":1510,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-1505","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-planning"],"acf":[],"yoast_head":"<title>Financial New Year\u2019s Resolutions Tips | Spruce<\/title>\n<meta name=\"description\" content=\"Looking for a financial reset in the new year? 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