Whether you over ate, or over spent...chances are the holidays took their toll. If you choose a New Year's resolution that focuses more on the wallet than the waist line, look no further.
I talked to an expert who is sharing tips on how to be financially fit in the new year.
Financial expert Michael Gutter says the first step is getting organized and making sure your spouse and family are on board. Because positive changes can only be sustained when everyone spending money participates. Then it's time to make what's called a "smart" goal.
Gutter says whether your goal is to save money for college, to pay off debt, or anything else- you need to follow those guidelines.
Families with significant debt or complex goals may choose to work with a financial counselor.