New Year resolutions can be difficult to make, and even harder to keep. This year, as I made resolutions around my health; spending time with family and friends; and spiritual growth, I also made a point to include financial related goals. For 2012, my family set two financial goals: to eliminate credit card debt and meet with a financial specialist to review our plans for retirement and college savings. I say family because my husband and I felt it was very important to include our five and seven year old sons in the process. They each established their own financial goal – my seven-year old decided he would save money to buy and care for a guinea pig (wonderful!).