Don’t give up on resolving to do better, psychologists and personal finance experts say. The key is to reframe the way you think about it.

Thinking about making a New Year’s resolution to get your finances in order? You might have better luck sticking to it than you’d expect.

Despite public perceptions that such resolutions are a waste of time, some findings suggest they can help people achieve their goals, at least for a while.

A 2024 survey from the Pew Research Center found that a “large majority” of people who made New Year’s resolutions said they had kept at least some of them a few weeks into the new year. And Fidelity Investments, which annually surveys American adults about their financial resolutions, found that almost two-thirds of those who made resolutions for 2024 said they were able to stick with them.

John C. Norcross, a psychology professor at the University of Scranton, was

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