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At the start of the new year, many of us make big, ambitious resolutions to finally get our finances in shape. We vow to slash spending, pay off debt, or double retirement contributions. However, the unwieldy timeline and scope of these New Year’s resolutions often set us up for failure. Come February, most are abandoned as life gets in the way. There is a better approach than the once-a-year push for perfection. Rather than an annual overhaul, consider taking a mini financial reset each month. The beginning or end of the month provides a natural milestone to review finances and set realistic goals for the next 30 days, and this keeps your finances on track all year long.

Doucefleur / Getty Images/iStockphoto When it comes to financial planning, many people don’t kWhen it comes to financial planning, many people don’t know how to go about it in a way that lets them build wealth or financial security. Because of this, a lot of people turn to financial planners to help get them on track and achieve their short- and long-term financial goals. Unfortunately, just having a financial planner isn’t always enough. Even with the best advice, a lot of people struggle to break their bad money habits and build better ones that help them gain some much-needed financial independence.now how to go about it in a way that lets them build wealth or financial security. Because of this, a l…