If you look up the word resolution in the dictionary here are some of the definitions:
- a resolve or determination: to make a firm resolution to do something
- the act of resolving or determining upon an action or course of action, method, procedure, etc.
- the mental state or quality of being resolved or resolute; firmness of purpose.
- a solution, accommodation, or settling of a problem, controversy, etc.

It is a time to reflect upon the last year and consider what one has achieved, missed, forgotten to do, and what one thinks one should do in the upcoming year. The most frequently noted resolution, according to recent polls, is to spend more time with family and friends. A good, inexpensive and achievable resolution, hopefully, for most of us.

Not surprisingly, the second and third most frequently cited were around the subject of increase in fitness and fat reduction. And the next one was to stop smoking. A smart decision. Be sure to encourage those around you with their resolutions. Along a similar vein is the quitting drinking resolution.

Another resolution that scored highly was to get more out of life. One could say that this is related to spending more time with friends and family and getting healthier and getting in shape. It all translates into feeling better about oneself and spending more quality time with whom we choose. Finding that balance between work and home life can be extremely challenging. If your job allows, you may find that working one day a week at home or even one day a month at home gives you a feeling of balance and achievement. You may find, as many do, that your day at home is just as productive, if not more so, than when you are in the office.

Lastly and again, not surprisingly, getting out of debt was high on the resolution lists. 2008 was a horrible year for so many – watching their 401(k)’s diminish, stocks plunge, property values plummet and unfortunately thousands losing their jobs. Getting out of debt never seemed so essential. But with a recession being talked about as lasting throughout 2009, getting yourself out of debt is an essential goal. Saving for a rainy day took on a whole new level of importance.

Making a New Year’s resolution is good to do. Sticking to it and executing upon it is even better. Good luck.