What is your financial New Year's resolution?

With the New Year upon us, millions of people around the world make their resolutions, and hope and plan to stick with them throughout the year.

Of the millions of New Year's resolutions made, 15% of those are financial goals. Not surprisingly most resolutions fizzle out before the end of January, as we have a habit of setting unrealistic targets for ourselves.

The top three financial New Year's resolutions set in Australia are saving more, spending less and reducing debt. While these are great in theory, they are too broad and don’t focus on the small and simple ways to achieve these goals.

Small changes in key areas can make a sustainable and valuable difference to your financial status.

Find out Axios’ tips for keeping your financial New Year's resolutions this year!