AMP's advice and sales director Blair Vernon joined Paul Henry to talk about how to turn around your finances in 2016.
Mr Vernon says there are five simple things you can do to make practical financial New Years' resolutions.
Don't try to do it all yourself if you aren't sure. Financial management involves asking yourself lots of questions and making some big decisions, and following through.
This is your future and you want to make sure it's the best it can be. Get yourself a coach - even Richie McCaw got coaching to play rugby.
It's knowing where you are right now, what you want to achieve and then changing things to make that happen.
It's no different having a resolution to quit smoking or drink less - if you don't say exactly when or what you want to achieve, the chances of you doing it reduce dramatically.
Watch the video for the full interview with Blair Vernon.