题目内容：

    Did you make financial decisions last New Year’s Eve? Did they fall by the wayside? If so, you are not alone. 1..

▲Make a smart budget

Did you plan to make a budget and fail to do so? This is a perfect time to start, as you are heading into the new year. You may be able to stop yourself from overspending if you realize how overextended you are. If you’ve taken no other financial steps this year, start by setting a realistic budget. 2..

▲Control your spending

Even if you had a budget, were you able to stick to it? 3.. Use it as a psychological advantage－you have less to spend so you need to shop harder for bargains and research prices. Impulse buying (即兴购买) will be less likely to attract you and your spending should be more focused as a result.

▲4.

You had a savings goal, didn’t you? If you didn’t have a specific goal, it may be why your savings effort failed. Set a smaller savings goal now, and use that to build a larger savings goal for the upcoming year. Make sure that you equate（使等同）your savings with a specific goal.

▲Reduce your debt

Debt reduction is an important goal, especially in the case of high-interest debt such as credit cards. It’s easy to get into an unrecoverable increase of debt if you have no plan to keep debt in check. It is a longer-term goal, but one you need to start right away. 5.. That may be a tall task, which is all the more reason to start immediately.

A. Increase your savings

B. Have a clear goal for your debt

C. You will go on with your new decisions

D. Most other financial improvements will follow

E. Start small by setting a spending budget for your shopping

F. But this year, you can make some progress on your financial goals

G. Attack the debt with the highest interest rate, and control your spending