Many find that the new year is a time to wipe the slate clean. In fact, 45 percent of Americans made New Year’s resolutions, according to the Journal of Clinical Psychology from the University of Scranton. But while it is easy to make resolutions, the hard part is actually following through with them.

By the first few weeks of the new year, nearly two-thirds of Americans who made resolutions will have already broken them the journal also states. Avoid becoming a failed resolution statistic and get back on track with a few simple steps.

With one third of all New Year’s resolutions relating to money, according to the journal, here are some tips to help beat the odds and keep financial resolutions this year.

Invest in success. If the goal is to get finances in order, take the time to set up mobile banking. It only takes a few minutes and ensures that all the tools needed to manage finances on to go are on hand.

Become a smarter shopper. Earning cash back can be easy. Tap into cash back deals such as BankAmeriDeals(R), which does not require clipping coupons, or use a rewards credit card like the BankAmeriCard Cash Rewards Card(TM), which lets you earn cash back on every purchase year-round. Even small amounts of cash back on everyday purchases add up throughout the year.

See your progress. Write down the resolution and put it in a place that can be seen every day. For example, to save a certain amount by a certain time, set interval goals and track the progress on a continual basis. It will feel great to see the successes every week and provide motivation throughout the year.

Be in good company. Anything is possible with some support from a loved one. Make a pact with a friend to keep each other accountable in keeping goals. Check in regularly with them, offer encouragement if goals are not being met and celebrate in each other’s successes.

Eliminate the hurdles. Be set up for success by accessing tools that make it easy to achieve resolutions. If the goal is to save money, tools like the Bank of America mobile app can help people stay in control of their finances with features like Mobile Check Deposit and Email and Mobile Transfers. 

Remember it is never too late to set goals for the New Year. For more information, visit www.bankofamerica.com/mobilebanking. Bank of America, N.A. Member FDIC.