Some resolutions have a more obvious solution than others. If you want to eat better, buy healthier food. If you’d like to sleep more, go to bed early. And if you want to improve your financial situation in 2014, try the advice of these financial experts.

Sherry Delo

Delo Advisors

•Everybody should have a resolution to save money; and by that, I mean sock money away. It’s very thrilling to be able to save money. Know what you spend and never spend more than you make, and you will find that you have surplus money to save.

•The question then is, if you have surplus money to save, where should it go? The first thing you want to do is have an emergency fund, and that’s usually three to six months of after-tax earnings.

Guy Hockerman

The Commerce Trust Company

•Take some time to reflect on what’s most important. Tie that into financial goals and decide what’s most important financially. To me, it’s about establishing where things are headed.

•Think about managing your cash flow. I haven’t had a client yet who regretted saving money.

•As for financial organization, ask What do I have? Can I identify fairly quickly where it’s at? Develop that big-picture approach, even if some of the goals aren't specifically known.

Ken Poteet

Sterling Bank

•As job growth returns in 2014, there is a good chance that as a consumer you will tend to spend more. Thereby, the No. 1 financial resolution to make for 2014 is to prepare a budget.

•Make [the budget] flexible, realistic and tailored to your needs—it’s about knowing where your money is going, instead of wondering where it went. A great budget allows you to focus on attainable goals and get real results—isn't that what a resolution is all about?

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