3. Debt: Tackling debt is a good way to start off the New Year. By making your New Year’s Resolution to pay off any overdrafts or loans, you will feel like you’re on the right path – these matters won’t sort themselves. So why not make 2013 the year when you sort out your finances and get yourself out of debt? All it takes in most cases is a little discipline and organisation. Debt reduction services can also help you, but they may charge a small fee.