How Really to Succeed at Your Resolution

Most of us fail at our resolutions because there's no cost or long-term pain or penalty if we don't. If you really want things to be different this time around, attach a penalty to not succeeding. Decide on a consequence that will "hurt" a little financially or emotionally, and be sure to let at least one other person in on your plan. (Accountability is a great motivator.) You can even put it in writing and sign a "contract."

Suppose you're determined to lose 20 pounds this year. Commit to giving $100 to the charity of your choice for each pound you don't lose. Or, promise to give away a month's paycheck if you don't leave the job you've spent years complaining about. Work with an amount that will have a significant financial impact without making you go bankrupt.

If you can't afford the financial risk, or if money doesn't motivate you, try something else. Maybe you dread the idea of joining a weight-loss organization or some other support group. Commit to signing up if you don't meet your goal. Only you know what works for you.

And download our Ultimate Guide to New Year's Resolutions for FREE.

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