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How to craft successful New Year’s resolutions that you won’t break right away - CNBC

New Year's resolutions can be like a jolt of energy for all the new habits and routines that you've been telling yourself you're going to start for the last six months — even during a pandemic.

Going into 2021, 43% of Americans are planning to make New Year's resolutions, according to a recent survey of 2,000 U.S. adults conducted by The Harris Poll on behalf of CIT Bank. That's an increase from the 35% of Americans who reported making resolutions for 2020. 

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1. Keep it manageable 

"One of the main mistakes that we make is we bite off more than we can chew," Sincero tells CNBC Make It. Let's say that you want to adopt the habits of someone who is financially successful. That's great: You want to take control of your finances and build wealth. But you can't go from broke to rich overnight, unless you win the lottery or experience an unexpected windfall.

Instead, keep your resolutions manageable and build on each successful step. Maybe you want to start building an emergency savings fund. You don't need to contribute $1,000 out of every paycheck. Instead, plan to take a few dollars here or there and add them to your savings account.

"You can have grand goals, but you've got to start small or you are going to just fall off that wagon so quickly," Sincero says. 

2. Be specific

3. 'Chunk stuff down'

If you have a big goal for 2021, make sure you break it into multiple steps. Sincero recommends starting by "chunking it down." By that, she means using shorter time frames to build up to the big goal. If you want to stop drinking, maybe it's saying to yourself, 'I won't drink today.' Or, if you're trying to save money, it can be as simple as saving a dollar a day. 

There's a reason that "take it one day at a time" is such a popular phrase, she says. "If you think of the whole year that you don't get to drink, that's so heavy if it's a really big part of your life. But every day that you wake up, it's like, 'I'm just going to do it for one more day.' Your brain can handle that," Sincero says.

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CHECK OUT: Suze Orman: Don't pay off debt with a second stimulus check — here's your 'first priority' via Grow with Acorns+CNBC.

Disclosure: NBCUniversal and Comcast Ventures are investors in Acorns.

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How to craft successful New Year’s resolutions that you won’t break right away - CNBC
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