You know the drill: The ball drops, confetti flies, and you — along with 45% of Americans — sail into the new year with a resolve to save more money. You may stick to your resolution for a few weeks or a couple of months, but then, life happens. Regardless of how enthusiastic you felt on Jan. 1, the good financial habits you wanted to adopt end up falling by the wayside. Before you throw in the towel on resolutions completely, consider a different approach. With the right strategy, you can set financial r ...