Folks commit themselves to radically changing their lives at the start of the calendar year. About 45% of people make New Year’s resolutions in the average year, and most have to do with health. But the same line of thinking can be taken in the context of your financial health.

The visitors have returned home, the leftovers in the fridge have been tossed, the kids are back in school and you have work first thing Monday morning. After the excitement of the holidays, the return to normal can make even the jolliest of folks a little depressed. 

If you’re like most people, you likely start each year with a list of resolutions to help you improve various aspects of your life. The list may include resolutions to help you become more physically fit, further your career growth, and improve your personal relationships. Another category of resolutions you may make centers on those that affect your finances. 

With the holiday shopping season heading into its final frenzied stretch, scammers are out in full force to take advantage of busy shoppers.