Save more, spend less and pay off debt are popular New Year’s resolutions — and perhaps the ones most likely to fall by the wayside a few weeks into the year when reality sets in and expenses derail plans. But an early-in-the-year setback, like paying your health insurance deductible or the credit card bills after a costly December, doesn’t have to knock you off course.

After all, you made those resolutions, so you can change them. And making more specific resolutions that are easier to maintain rather than just giving up could put you in a better financial position next year. Here’s how to get back on track.

MAKE YOUR GOALS MORE SPECIFIC AND REALISTIC

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