(StatePoint) Achieving your financial goals can sound like a daunting New Year’s resolution if you aren’t organized when it comes to your money. But by planning ahead, you can more easily improve your financial situation.

If you’re new to money management — don’t stress — new tools are making it simple to stay on top of your finances, allowing you to pay down debt and save for the future.

Here are some foolproof ways to achieve your financial goals this year: