The time honored tradition of lying to ones self in public about the expectations of a new year. This will be the year I grow wings and then fly to the moon. This will be my year to stop showing up on the red light cameras. This year I will have money to do things I want to do! Believe it or not that last one can be done, but you don't need a resolution.

Instead of making sweeping promises, write a to-do list of financial tasks for the new year. Many of these can be completed in a few minutes, so you can tick them off in your spare time. You'll save money and they will make you feel better -- without the year-long overhang of guilt and boredom.

If you are really serious about having more disposable income and more money in the bank, give a click below.