Skip to main content
Northwestern Mutual Northwestern Mutual
Primary Navigation
  • Home
  • About Us
    • About Us Overview
    • Working With an Advisor
    • Our Financial Strength
    • Sustainability and Impact
  • Financial Planning
    • Financial Planning Overview
    • Retirement Planning
      • Retirement Planning Overview
      • Retirement Calculator Beach chair icon
    • College Savings Plans
    • Private Wealth Management
    • Estate Planning
    • Long-Term Care
    • Business Services
  • Insurance
    • Insurance Overview
    • Life Insurance
      • Life Insurance Overview
      • Whole Life Insurance
      • Universal Life Insurance
      • Variable Universal Life Insurance
      • Term Life Insurance
      • Life Insurance Calculator Shield icon
    • Disability Insurance
      • Disability Insurance Overview
      • Disability Insurance  For Individuals
      • Disability Insurance  For Doctors and Dentists
      • Disability Insurance Calculator Money Parachute icon
    • Long-Term Care
    • Income Annuities
  • Investments
    • Investments Overview
    • Brokerage Accounts & Services
    • Private Wealth Management
    • Investment Advisory Services
    • Fixed & Variable Annuities
    • Market Commentary
  • Life & Money
    • Life & Money Overview
    • Educational Resources About Financial Planning
    • Educational Resources About Investing
    • Educational Resources About Insurance
    • Educational Resources About Everyday Money
    • Educational Resources About Family & Work
    • Market Commentary
    • Podcast
Utility Navigation
  • Find a Financial Advisor
  • Claims
  • Life & Money
  • Everyday Money
  • Managing Finances

Science-Based Tips to Stick With Those Resolutions


  • Carl Engelking
  • Feb 05, 2020
A woman doing chin-ups and accomplishing her resolutions
Already forgot that New Year’s resolution? Don’t despair, failing is part of the process. Photo credit: Thomas Tolstrup/Getty Images
share Share on Facebook Share on X Share on LinkedIn Share via Email

It’s now February. How’s that New Year’s resolution coming along?

If you’re like most people who resolved to make a lifestyle improvement, there’s a good chance you’ll abandon that goal in about a week (studies show 80 percent of people let resolutions slip by mid-February). If you’ve already fallen off track, don’t despair. In fact, “failing” could mean you’re well on your way to building lasting change (we’ll explain).

Given February is gut-check time for those New Year’s ambitions, we’ve pulled together some science-based tips to help you right the ship, change your frame of mind and keep the momentum going for the rest of the year.

A NEW YEAR, AN INCREMENTALLY BETTER YOU

“A new year, a new you” is an Instagram-friendly declaration, but it isn’t all that helpful. A far more beneficial credo, but perhaps less likely to go viral, is “a new year, an incrementally better you.” Here’s why.

This notion that you’ll entirely reinvent who you are because the calendar changed leaves you vulnerable to false-hope syndrome (see also: Your eyes were bigger than your mouth). People tend the think they can change far more quickly and more easily than is realistically possible. It’s not wrong to be optimistic, but when all that weight doesn’t melt in a month, for example, it’s a big letdown. Setting sky-high goals are great in theory, but we tend to overlook the challenges they present, and that sets ourselves up to fail. This is false-hope syndrome in a nutshell.

Instead, though it sounds counterintuitive, downsize your goals and expectations. Instead of hitting the gym every day and losing 50 pounds, get to the gym a few days a week and aim to lose 10 pounds. Instead of juggling five life-changing resolutions in 2020, narrow it down to one. It feels good to set big goals, but it feels even better to accomplish them.

If you’re stricken with those resolution blues, take your original goal and shrink it. Set yourself up for small wins — you can always raise the bar after a few Ws. As those victories stack up over the year, you’ll look back in December and realize how far you’ve come.

CHANGE ISN’T LINEAR

If you want to achieve your goals this year, embrace failure.

Like false-hope syndrome, framing your goals around all-or-nothing thinking is going to make it hard to succeed. Instead, more than three decades of research has shown that implementing a positive lifestyle change consists of five progressive steps, with failure as a feature, not a bug, along the way.

It’s known as the transtheoretical model of change, and it’s now used by behavioral specialists around the world to help people make or break habits. There are five steps: precontemplation (ignorance is bliss), contemplation (on the fence), preparation (making a resolution), action (doing it) and maintenance (keeping it up).

Now, people don’t progress neatly from one step to the next, and quite often they’ll take a step backward or stumble and repeat the steps all over again. The key point is that it’s a continuous cycle, and backtracking is going to happen — and that’s fine. Changing behaviors is an imperfect process, and a single “failure” isn’t the end of the line, think of it as a new beginning.

So, if you’ve fallen short of reaching that resolution, there are still 10 months to go. Your failure is a chance to try it again.

MEASURE IT

Did you set a goal, such as “save more money” or “learn guitar”? This is a good place to start, but how much is “more?” What is “learning?” Back in 1981 George T. Doran published a paper describing S.M.A.R.T. goals, or a new way to frame objectives. The first two letters in that acronym stand for “specific” and “measurable.” So, instead of saving more money, put a specific dollar amount to it. If you want to learn to play guitar, set a specific, measurable goal of practicing for an hour three times a week.

That’s because the human mind despises ambiguity and craves certainty; psychologists call this cognitive closure. Here’s how it works: Imagine a person telling you they have a secret, but they immediately acknowledge they can’t tell it to you? Frustrating?

That’s because we inherently crave clarity! When your goals are specific and measurable, they are psychologically more appealing and satisfying than open-ended, vague goals. Strangely, that makes them easier to tackle.

AUTOMATE IT

Willpower is overrated.

Studies have shown that people who profess to have abundant willpower score no better in a test of will, known as the Stroop test, than people who say they don’t have much of it. The notion that we have a finite amount of willpower to “spend” has also failed to be replicated in studies.

Instead, people who are really good at accomplishing goals are also really good at finding shortcuts or building habits so they don’t have to think about those goals. If you make a habit of walking the dog every morning at 6 a.m., you almost do it on autopilot. You aren’t going through an exhausting routine of summoning self-control to actively decide to walk the dog. You just do it, you don’t think about it. It becomes automatic.

If your goal is to save more money, stop thinking about it and automate it. Contact HR and have a portion of each check directly deposited into your savings account. You won’t have to think about that goal again, and boy will you make progress by year’s end! Sometimes, the best way to accomplish a goal is to find a way to not think about it.

Related Articles
  • Man relaxed with his feet on a desk.

    How to Trick Your Mind and Reach Financial Goals

    Sometimes our brains are our own worst enemy when it comes to saving for the future. Here are some helpful mind tricks to help reach your financial goals.

  • woman warming up on track

    6 Habits That Can Improve Your Health and Your Finances

    Trying to improve your financial wellness? Try one of these six healthy habits that can improve your health and your finances.

  • Friends having coffee and discussing how to reach their financial goals.

    Want to Reach Your Financial Goals? Enlist Your Friends

    Money shouldn’t be a taboo subject among friends. Here are 4 ways your friends can provide financial accountability and help you reach your financial goals.

Social Security is an important part of your financial plan.

Your financial advisor can show you how Social Security will work to reinforce your retirement savings. And they’ll show you how it can help you live the life you want in retirement.

Let's get started
Left Dotted Pattern
Right Dotted Pattern

Want more? Get financial tips, tools, and more with our monthly newsletter.

Find What You're Looking for at Northwestern Mutual

Northwestern Mutual General Disclaimer

Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company and its subsidiaries. Life and disability insurance, annuities, and life insurance with longterm care benefits are issued by The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM). Longterm care insurance is issued by Northwestern Long Term Care Insurance Company, Milwaukee, WI, (NLTC) a subsidiary of NM. Investment brokerage services are offered through Northwestern Mutual Investment Services, LLC (NMIS) a subsidiary of NM, brokerdealer, registered investment advisor, and member FINRA and SIPC. Investment advisory and trust services are offered through Northwestern Mutual Wealth Management Company (NMWMC), Milwaukee, WI, a subsidiary of NM and a federal savings bank. Products and services referenced are offered and sold only by appropriately appointed and licensed entities and financial advisors and professionals. Not all products and services are available in all states. Not all Northwestern Mutual representatives are advisors. Only those representatives with Advisor in their title or who otherwise disclose their status as an advisor of NMWMC are credentialed as NMWMC representatives to provide investment advisory services.

Northwestern Mutual Northwestern Mutual

Footer Navigation

  • About Us
  • Newsroom
  • Careers
  • Information Protection
  • Business Services
  • Podcast
  • Contact Us
  • FAQs
  • Legal Notice
  • Sitemap
  • Privacy Notices

Connect with us

  • Facebook iconConnect with us on Facebook
  • X iconFollow Northwestern Mutual on X
  • LinkedIn iconVisit Northwestern Mutual on LinkedIn
  • Instagram iconFollow Northwestern Mutual on Instagram
  • YouTube iconConnect with Northwestern Mutual on YouTube

Over 8,000+ Financial Advisors and Professionals Nationwide*

Find an Advisor

Footer Copyright

*Based on Northwestern Mutual internal data, not applicable exclusively to disability insurance products.

Copyright © 2025 The Northwestern Mutual Life Insurance Company, Milwaukee, WI. All Rights Reserved. Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company and its subsidiaries.