1.) Think about how you currently deal with finances — what's good, what's bad, and what can improve.

“Let this be the year you change your relationship with money,” said Ashley Lapato, personal finance educator for YNAB, a budgeting app.

If you feel like money is a chore, that there's shame surrounding the topic of money, or like you were born being “bad at money,” it's time to change that mentality, Lapato said.

To adjust your approach, Lapato recommends viewing money goals as an opportunity to imagine your desired lifestyle in the future. She recommends asking questions like, “What do my 30s look like? What do my 40s look like?” and using money as a means to get there.