How to Check Your Financial Baggage for the New Year

Whewww, the holidays are over -- deep breath! The last of the wrapping paper went out with the trash last week, and the leftovers are in the freezer. Most of us have probably spent a little more, ate a little more and drank at least one more than we meant to, which means making 2020's promises to ourselves may be on our minds.

New Year's resolutions originated in ancient religious communities, marking more resolve and higher commitment for the next year. The tradition still exists as a way to come back from the indulgence of the holidays and set our sights on a healthier year.

Financial resolutions are usually , following exercise routines and dieting. The very flat resolution to "spend less" often has as much shelf-life as we think it