It’s the time of year when people resolve to change their lives, from getting in shape to improving relationships and achieving work-life balance. Financial goals also top the list of New Year’s resolutions – and are easier to plan and stick to than you might think.

It’s not complicated to cut expenses and save money – even a few dollars at a time – but many people give up too quickly. The key is to set realistic goals, celebrate small victories, and get creative with cost-cutting in 2023.

Commit to Budgeting

It tops the list of every financial to-do list for a reason: it works! Keep a notebook with your monthly income and expenses or seek out an online program or budgeting app. Choose whatever method is easiest for you and you think you can stick with.

Pay Yourself First

Speaking of budgets, build in a line item in your budget for your savings account or emergency fund. Saving just $25 per paycheck will add up quickly.

Earn Extra Money

If your budget reveals you need an income-boost, start earning extra cash by working for Lyft, Post Mates or Uber Eats. You can also try getting freelance work that lines up with your skills and talents.

Make Short-Term Goals

Instead of resolving to change all your financial habits at once choose one or two things to change at a time. Once you master those, add (or subtract) a new habit each month. You’ll see fantastic progress by the end of 2023.

Spring Cleaning – in January

Clean out your closets, the garage, and even old furniture or décor. Then, host a yard sale or list your items on eBay, Craigslist, or Offer Up. Decluttering will save you money help you manage stress, while earning some extra cash.

Sell Your Gift Cards

If you receive gift cards that don’t match your taste, trade them for cash at CardCash.com – and promptly put that cash into savings.

Wait 24 Hours

To cut down on impulse buying, wait 24 hours before making an unplanned purchase. If you’re still thinking about it after 24 hours, ask yourself these five questions before making the purchase.

Finally Drop Cable

If you’re still holding out, it’s time to cut the cord in 2023. Paying for cable is a large monthly expense that’s easy to replace with less expensive streaming services. Do a little research to find the ones that match your viewing habits — such as live sports or first-run movies. And be sure to take advantage of free trials to see which services meet your needs.

Update your W4

While many of us look forward to a big tax refund, it’s better to adjust your withholding to ensure you’re paying the right amount of taxes throughout the year. This could mean more money on each paycheck, making it easier to budget and manage your money.