New Year's Resolutions 'A' To 'Z'

The New Year is upon us. Here are some resolutions you should keep in mind for a fresh start, including enrolling in freecreditscore.com™ to make sure your credit is on the right track come January 1st.

A- Appreciate

Amanda / CC BY http://2.0 / Flickr: spakattacks

How often do we take stock of how much we really have? Maybe now's the time to do it.

B- Be Financially Saavy

Cristian Bortes / CC BY http://2.0 / Flickr: bortescristian

Let's get away from all the excuses we hear from the little voice in our head. 2012 should be the "get down to business" year. Start with little changes like 2 coffees instead of 7 a day. You'd be amazed how much that amounts to in over a year.

C- Collect Change

frankieleon / CC BY http://2.0 / Flickr: armydre2008

Saving your change in a jar may not seem like a big deal, but when the coins start to add up, you’ll be surprised with what you have saved.

D-Designated Driver

James Palinsad / CC BY-SA http://2.0 / Flickr: 99329675@N02

Let's make 2012 the year of the Designated Driver! The time has come to add responsibility to the list of your attributes. So when planning that night out with all those fab party venue stops, plan on having that "designated driver" and add safety as one of your New Year's resolutions.

E- Eat Healthy

spinster cardigan / CC BY http://2.0 / Flickr: 84906483@N08

Make some changes in your diet in the New Year by cutting back on all the snacks.

F- Figure Out Your Credit Score

nito100 / iStockphoto / Getty Images

Get a head start in the New Year by making sure you know your credit score. Enroll in ">freecreditscore.com™ to make sure you are on the right track come January 1st.

G- Get Out Of Debt

Peter Gridley / Getty Images

Leave the stress of your finances behind. It's a promise that will repay itself many times over.

H-Happiness

thephotographymuse / CC BY http://2.0 / Flickr: marcygallery

Happiness in 2012! Before you can truly be happy you must have an understanding of what happiness is. Is happiness getting that extra large paycheck? Is it tying the knot? Or is really inside ourselves? Perhaps we should spend time in 2012 discovering what happiness means to us.

I-I Love You!

Pledge to say it a little more often. Those three words make everyone happy!

J-Journal

Walt Stoneburner / CC BY http://2.0 / Flickr: waltstoneburner

Keeping a journal is a personal journey. Try it - what do you possibly have to lose? 2012 should be the year to get out of your comfort zone and move forward. A journal is a great place to start.

K-Kindness

Darinka Maja / CC BY http://2.0 / Flickr: darinka

From volunteering at a local shelter to helping a friend in need, 2012 should be the year of kindness and something you should definitely put on your "to do" list.

L- Learn Something New

Quinn Dombrowsky / CC BY-SA http://2.0 / Flickr: quinnanya

Haven't you always wanted to play guitar? There’s no better time to learn something new than the New Year.

M- Money

Daniel Borman / CC BY http://2.0 / Flickr: dborman2

Why not make 2012 the year to save money. Just think. Even if you put away $20 or $30 a month that's a couple of hundered dollars a year. Multiply that by 3 years and you can have a few thousand. Now you can think about that vacation you've always wanted.

N-New Friends

carterse / CC BY-SA http://2.0 / flic.kr

Make new friends, but keep the old!

O- Opportunity

Dan Nevill / CC BY-ND http://2.0 / Flickr: dnevill

How many times have you passed up an opportunity out of laziness or fear? Make 2012 the year to grasp all those new opportunities.

P- Pick A Winner

Nadine Heidrich / CC BY http://2.0 / Flickr: nadineheidrich

Don't get yourself into an unhealthy relationship in the New Year. Be sure to pick a winner!

Q-Quit Procrastinating

Rob and Stephanie Levy / CC BY http://2.0 / Flickr: robandstephanielevy

Quit procrastinating in 2012! Put aside one day a week to check off the items on your list and see how much further ahead you will be.

R-Reminisce

miguelb / CC BY http://2.0 / Flickr: mig

Think about all the great memories you made in 2011 and plan to make even more in 2012!

S - Specifics

Dave Rosenblum / CC BY http://2.0 / Flickr: daverose215

In 2012, make a list of specific things you will do to make life better. And then check them off as you get them done. List them in the order of importance, or perhaps put the easier ones first so you can get them rolling.

T- Thoughtfulness

Marcy Maloy / Getty Images

It costs you nothing and reaps great rewards. When was the last time you showed someone you cared about them? Maybe 2012 is a good time to start.

U-Unique Traditions

Tom Merton / Getty Images

Start your own with the ones you love, or continue old ones and pass them down.

V- Values

chattygd / CC BY http://2.0 / Flickr: 36636097@N05

If you want to make a difference in the world and in your own life, digging deep may be the way to go.

W- Wonder

mario / CC BY http://2.0 / Flickr: 64738468@N00

Put the wonder back into your lives. Remember when we were kids and we were amazed by it all. Take a look around - there is so much to wonder about.

X- "E"xpect More

Gonzalo Díaz Fornaro / CC BY-ND http://2.0 / Flickr: gdiazfor

2012 is the year to expect more. It just seems staying positive always brings good things. So this year will be a year of good health, happiness and success for all of us!

Y- YOU

Trekking Rinjani / CC BY http://2.0 / Flickr: trekkingrinjani

Indulge yourself. We're working around the clock these days - 24/7. We can't get away from our iPhones, iPads or computers. So commit to putting away the technology for 30 minutes a day and regroup.

Z- Zen

Alejandro Forero Cuervo / CC BY http://2.0 / Flickr: aforero

Let's make it a ZEN year! Zen helps us see reality as it is and release us from habitual thoughts and patterns. 2012 should be the year to find your true nature and follow your dreams.