Ring in the New Year With a Resolution You Can Keep (Really!)

(NewsUSA) - The start of each new year is synonymous with great intentions after setting ambitious resolutions. Whether it's losing weight, volunteering or saving money, many Americans want to make positive changes. Though conventional wisdom suggests that these plans lose steam before the confetti is swept out of Times Square, resolutions can be accomplished. Believe it or not, a Marist Poll survey found that almost 6 in 10 Americans (59 percent) who made resolutions for 2014 kept them. But were they the right resolutions?

Unfortunately, injuries and serious illnesses can easily upset plans for financial independence, and recovering financially often takes longer than recovering physically. The 2015 Aflac WorkForces Report highlights that millennials, for example, are more likely than other generations to have less than $1,000 in the bank to pay for unexpected out-of-pocket medical expenses. By making a commitment to saving, millennials and other generations will make more than a resolution -- they'll eliminate risk and make an investment in their future.

Beyond providing a pay check, the workplace can actually assist Americans with keeping financial goals. Here are a few recommendations that will help to maximize earnings and savings all year long:

1. Spend wisely

During the work week, it's easy to spend money on "on-the-go" items because it's more convenient than packing a lunch or making a cup of coffee at home. To avoid these traps, hold yourself accountable to a monthly budget for miscellaneous purchases and take advantage of wellness programs and other perks such as discount gym memberships and free coffee.

2. Maximize the potential of your benefits

Voluntary insurance such as accident, hospital or critical illness plans help pay health-related costs that major medical was never intended to cover, offering a safety net to protect savings. These plans also provide cash benefits that can be used to assist with unexpected health care costs, such as medical deductibles and insurance copayments, or to cover day-to-day expenses such as groceries, child care and travel. These are exactly the kinds of plans offered by Aflac.

3. Explore your savings options

401(k)s are a straightforward way to save for retirement, and with your allocated contribution never hitting your bank account, there's no temptation to spend it or skip a contribution here or there. Be sure to take advantage of this program as soon as possible. As with any savings program, the longer you wait to get started, the harder it will be to catch up and reach your goal.

The path to financial independence is within reach. Make a New Year's resolution to maximize your savings potential and enjoy the benefits far beyond 2016.

Visit www.aflac.com for more information about selecting the best voluntary plan for you and your family.