(Reuters) – Ask any behaviorist: Resolutions rarely work. They are too big and sweeping. The minute you fall off the bandwagon, you abandon attempts to climb back on, mostly because you're too busy hating yourself.
So forget about the "I'm going to lose 20 pounds AND track every penny that I spend" fervor. Instead just do what does work – actionable small steps. Here's a list of ways you can improve your finances in 2012, usually in just a few minutes at a time, and without any self-loathing.
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