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Research shows only 12 percent of people actually keep their resolutions.

Here are a few things you can do to avoid being one of those who doesn't.

• Set one specific goal

Ex: “I want to reduce debt by $100 each month

• Set measurable goals so you can chart your progress

• Tell a buddy for accountability and positive reinforcement

• Write it down

A California study found people who wrote down their goals, shared them with others and maintained accountability were 33 percent more likely to achieve them.

Here are a few tips to make your goals last all year long:

• Don’t feel bad if you mess up

Research shows that it takes at least 21 days to make a habit.

• Once you find out what’s not working, modify your plan.