Do you have a financial resolution for the new year?

January is often at time for turning over a new leaf and trying to do better. Here's what some Times readers have resolved to do. Feel free to add your resolutions as a comment if you like.

Start getting rid of all the stuff we have and buy or accumulate less, resulting in less clutter and saving more money.
Nancy Schreimann, Tarpon Springs

Increase my 401(k) deduction. My hope is that the down economy will continue until the end of the summer and after the election the markets will return. If this happens, it could maximize my investing for this year.
Floyd Mounts, St. Petersburg

Reduce my equity exposure from 80 percent of my portfolio to 60 percent and increase my bonds and other fixed income.
Sam Lasley, Clearwater

Use a more formalized (Quicken) approach to my personal budget in 2008. Tracking where exactly our money goes will allow myself and my family to make an informed decision on where we should be allocating our budget. I imagine this will quickly pinpoint how much we are spending on dining out on a monthly basis and we can make a choice to limit that and allocate to savings or vacation.
Scott Strepina, Tampa

Contribute more money to my Roth IRA.

Tony Rizzo, New Port Richey

Continue funding my 401(k), resume funding a Roth every month, but also start enjoying life a little bit more, buying something I really want, going somewhere I really want to go. While saving money for retirement is important, living a little now is too. Who knows what the future will bring?

Anonymous