--- title: Creating Habits, Not Resolutions description: "One reason New Year's resolutions are so difficult to keep is that they require you to change. Whether you call your personal goals New Year's resolutions or not, there is a better way to achieve them: creating good habits." image: https://blog.carolinatrust.org/hubfs/woman-writing-in-her-journal-diary.jpg_s=1024x1024%26w=is%26k=20%26c=fxnbg5VCMnrw4FOo6cfsO7uQ5UDykOFtxWXumIYoPXg=.jpg --- [![Carolina Trust Credit Union](https://blog.carolinatrust.org/hs-fs/hubfs/CarolinaTrust_December2019%20Theme/Images/ctfcu-logo-white-v2.png?width=153&name=ctfcu-logo-white-v2.png "Carolina Trust Credit Union") ![Carolina Trust Credit Union](https://blog.carolinatrust.org/hubfs/CarolinaTrust_December2019%20Theme/Images/ctfcu-logo-white-v2.png "Carolina Trust Credit Union") ](https://www.carolinatrust.org/) Routing Number #253279510 [Book Appointment](https://booknow.appointment-plus.com/b986s4ey/) [Contact Us](https://www.carolinatrust.org/contact) [Login](https://carolinatrustfcu.financialhost.org/Login) [![Carolina Trust Credit Union](https://blog.carolinatrust.org/hubfs/CarolinaTrust_December2019%20Theme/Images/ctfcu-logo-white-v2.png "Carolina Trust Credit Union") ![Carolina Trust Credit Union](https://blog.carolinatrust.org/hubfs/CarolinaTrust_December2019%20Theme/Images/ctfcu-logo-white-v2.png "Carolina Trust Credit Union") ](https://www.carolinatrust.org/) Routing Number #253279510 [Book Appointment](https://booknow.appointment-plus.com/b986s4ey/) [Contact Us](https://www.carolinatrust.org/contact) [Login](https://carolinatrustfcu.financialhost.org/Login) × Close search Search Search Submit ## Carolina Trust FCU Blog ![woman-writing-in-her-journal-diary.jpg_s=1024x1024&w=is&k=20&c=fxnbg5VCMnrw4FOo6cfsO7uQ5UDykOFtxWXumIYoPXg=](https://blog.carolinatrust.org/hs-fs/hubfs/woman-writing-in-her-journal-diary.jpg_s=1024x1024%26w=is%26k=20%26c=fxnbg5VCMnrw4FOo6cfsO7uQ5UDykOFtxWXumIYoPXg=.jpg?width=1280&height=720&name=woman-writing-in-her-journal-diary.jpg_s=1024x1024%26w=is%26k=20%26c=fxnbg5VCMnrw4FOo6cfsO7uQ5UDykOFtxWXumIYoPXg=.jpg) # Creating Habits, Not Resolutions Posted by [August](https://blog.carolinatrust.org/blog/author/august) on Jan 16, 2026 8:54:44 AM ![August](https://blog.carolinatrust.org/hubfs/CTMizeAugust-4013x.jpg) - [Tweet](https://twitter.com/share) The start of a new year is sort of like a fresh slate, prompting lots of people to set New Year's resolutions. Some of the most common resolutions are eating healthier, becoming more physically active, saving money, improving personal relationships, learning a new hobby or skill, reading more, etc.  However, others avoid making resolutions altogether because they never stick to them or get the results they're looking for. You know, the folks who say things like "I always break my resolutions" and "I always give up by mid-January." One reason New Year's resolutions are so difficult to keep is that they require you to change. Change is hard, and people tend to resist it because it involves a lot of work, willpower, and motivation to do things differently than you have in the past. It's a lot easier just to keep things as they are, especially if you don't have a plan of action with detailed steps on how you're going to make a change. Whether you call your personal goals New Year's resolutions or not, there is a better way to achieve them: creating good habits. When your actions become a habit, you don't have to remember when, where, why, or how to do them. They just get done because they become part of your daily routine. Remember, habits- good or bad- result from small decisions we make over time. Our lives today (e.g., finances, health, career achievements) reflect our past habits. To make personal changes, focus on creating habits and routines. Decide now who you want to be next year and prove it to yourself every day by creating lasting habits that make positive changes in your life. Topics: [Personal Finance](https://blog.carolinatrust.org/blog/tag/personal-finance), [Seasonal](https://blog.carolinatrust.org/blog/tag/seasonal) ## Carolina Trust Federal Credit Union Blog  Welcome to the Carolina Trust Federal Credit Union Blog! 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