Year after year after year, most of us resolve to spend wisely and save religiously. How have you fared so far? As the New Year approaches again, it's time to make some resolutions. Just as important as your personal ones—lose weight, go after the career you want, take that dream vacation—is how you'll handle money matters. Here’s a list of specific money resolutions you can make. Hopefully, in 2012, you won’t find yourself committing the same financial blunders all over again.

These articles give more tips on finances, savings, and budgeting:

• The 4 Money Stages of Life: 15 Tips to Save Up and Live Comfortably
• The Right Way to Budget
• Budgeting 101: 15 Tips for Wiping Out Your Debts
• 10 Secrets to Financial Security
• The Truth about Your Financial Choices: Debt, Insurance, Savings, Payments, and More

(First published in Good Housekeeping Magazine, Good Money section as "This Year, I promise to..." in December 2009; adapted for use in Female Network)