Wellness Tips on Money: Don’t be discouraged if an unexpected expense knocks your goals off track for a month or two. Get refocused, and take it one day at a time. “Nobody expects you to make all the right financial decisions 100 percent of the time,” But ideally you do things better than you did the year before.”

7 Steps to Help You Have More Money This Year: "Ultimately, your new goals and refreshed budget are providing you with rules to live by, not die by. So don’t beat yourself up if you splurge one month on dinners out or a well-deserved weekend getaway. “It’s not about perfection, it’s about progress,” Blaylock says."

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