When it comes to financial resolutions for the New Year, nothing can be more empowering than gaining control of your money. Less owed and more saved in the New Year brings peace of mind, according to WalletHub. 

But holding to a resolution is easier said than done. While about 80% of Americans plan to make New Year’s resolutions for 2020, WalletHub says that fewer than 50% succeed in keeping them for a full year. As many as seven out of 10 people admit to having cheated on a past New Year’s resolution.

Despite those odds, WalletHub has suggestions on how to make financial resolutions for the New Year without breaking them.

Here, in ascending order, are WalletHub’s top 10 financial resolutions for 2020.

10. Get an “A” in wallet literacy.

In 2019, less than half of all Americans (45%) graded their financial literacy at a “C” or lower, and that’s an improvement over 2013, when it was 40%. WalletHub invites you to take its online quiz to determine your weaknesses and improve them until you score at least an “A-“ by 2021.