America’s Top Money Resolutions for 2021 — and How To Make Them a Reality



2020 was a wake-up call for millions of Americans who found out the hard way just how close they had been living to a financial cliff without even realizing it. With 2021 finally here and a fresh start long overdue, money-based resolutions are trending like never before. 

See: 18 Resolutions To Get Rich in 2021

Over the holidays, GOBankingRates profiled the results of a study that revealed America’s top money resolutions heading into 2021. More than half of the study’s respondents are resolving to take some steps toward getting control of their finances this year. The following is a roundup of 2021’s top money-related New Year’s resolutions, each of which comes with some helpful tips if you’re finally ready to turn a resolution into reality. 

Last updated: Jan. 4, 2021

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Reduce Debt

Debt shrinks household budgets, prevents saving, impedes retirement planning and causes countless untold money headaches and stress. It is important to understand which kind of debt is most dangerous, how debt can actually help you, what not to do and how to get out from under it all. Read the links below to get started on this.

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Increase Credit Score

The three most important digits in your financial universe, your credit score, represent your risk as a borrower to potential lenders — and therefore determine what interest rates you’ll pay. Your credit score can impact your ability to get not only a loan but also to get things like insurance and even a job. Here are some helpful tips for your credit score.


Increase Savings

Many people are resolving that 2021 will be the year they finally grow a healthy savings account. True financial health, after all, is simply not possible without at least some savings. Find out how to achieve this goal by reading some of the links below.

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Save For a Specific Purpose

America needs a vacation, and people are making resolutions this year to save money so they’re able to travel as soon as the opportunity presents itself. Others are vowing to save for things like retirement or other purpose-specific goals. Depending on your goal, read more on how you can achieve it.

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Build an Emergency Fund

Emergencies are inevitable and expensive, but they’re mostly manageable for those who prepare for the unexpected. Many people are not prepared to pay for that tree branch through the windshield or trip to the urgent care clinic that’s always just around the corner — and building an emergency fund is a top 2021 money resolution. Here are some tips for doing that.

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Stop Living Paycheck to Paycheck

Tens of millions of Americans live their entire lives one paycheck — maybe two — away from unmanageable financial ruin. If you’re among the many who are resolving this year to break the paycheck-to-paycheck cycle of financial insecurity in 2021, these links are a good place to start.


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Get a Higher-Paying Job

The true source of so much money anxiety is not debt, financial mismanagement or overspending, but simply inadequate pay. These links are a good starting point for anyone looking to make 2021 the year they’re finally paid what they’re worth.


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Create a Budget and Stick To It

Financial well-being is virtually impossible without an easy, accurate and adjustable chronicling of what’s coming in and what’s going out. “Budgeting 101” is a primer on how to develop a realistic budget you can actually stick to. 


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Donate More Money to Charity

Finally, the holidays and new year are the perfect time to invest more in the philosophy of wealth through giving. Aside from your own charitable donations, you can support companies that have launched philanthropic efforts of their own.

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