The new year financial resolution you will keep

This guest blog was written by Chris Budd, who wrote the original Financial Wellbeing Book as well as The Four Cornerstones of Financial Wellbeing. He founded the Institute for Financial Wellbeing and has written more than 100 episodes of the Financial Wellbeing Podcast.

The new year is a time when we take a moment to take stock. To review what we want from life, and the year ahead in particular. Very often this involves setting goals, making resolutions; trying to change habits.

Actions become habits for a reason. When we reflect on resolutions made in the past, we could easily conclude that many of our habits are, in fact, unchangeable. Only 8% of people achieve their new year resolutions