Are you ready to start 2021on the right financial foot?.The key is to set a realistic goal that you knowyou'll be able to stick to throughout the year.Set "no spend" days foryourself and your family.Pay cash or use a prepaid debitcard for the categories whereyou struggle to stay on budget.Set a check-in date for yourselfto assess your progress.Check your credit reports regularly.Open a high-yield savings account.Create dedicated savings accounts