Finding it hard to stick to your resolutions? Maybe you set the bar too high. Every New Year we vow to pump up the exercise routine, lose a few pounds, or get some money in the bank. Great goals, but unfortunately, many of us don’t stick to them—in fact, one-quarter of us don’t make it past the first week of January, and less than half last to the Fourth of July. New Year’s resolutions are definitely a good idea—people who make a resolution are 10 times more likely to change a bad habit than those who don’t. But in order to succeed, you’ve got to line up some smart strategies. Here’s how to stay on track and make resolutions that will last all year long.