We’re well into the New Year now, and hopefully you’re making progress on all of your new year’s resolutions — especially the financial ones. But what if you’re not? Sometimes it’s easy to forget about our goals for the year almost as quickly as we set them. And sometimes a minor setback can cause us to give up hope of accomplishing something.

When it comes to your financial goals and resolutions, don’t let an early stumble cause you to give up. Here are three financial goals you might be working on, and what you can do to get back on track if you’re not making the progress you’d like to be.

Budgeting

Didn’t stick to your budget for January or February as planned? That’s okay. It doesn’t mean you’ve failed. Guess what. We have ten more months to come this year, and every one of them is a new opportunity to set and stick to a budget.

Maybe your initial goal was too aggressive for you. Now you know you need to take smaller steps to reach it. Set a new budget for next month where you can save money, but don’t make it as strict of a budget as you tried to stick to previously. Reach smaller goals, and increase them month-to-month. By the end of the year, you should have no problem reaching your original resolution.

Paying Off Debt

Maybe your big financial goal for the year was to get out of credit card debt (or at least pay off a significant amount of it). If you’re off to a slow start reaching those goals, you might have a similar problem as the struggling budgeters do. Maybe you tried to do too much too soon.

Think in terms of baby steps. If you can’t pay off as much as you’d like each month, decrease your expectations a bit. Focus on your card with the smallest balance first if you want extra motivation faster. And when you pay it off, put those former payments towards the next card. Maybe this kind of snowball method will get you back on track.

Saving Money

Sometimes the problem with financial goals around savings is that the goals are too general. It can be hard to focus on saving if you’re not saving towards anything in particular. Try to split up your savings into smaller goals. For example, you might save $X towards an emergency fund and put $Y into a retirement account each month. If you reach a specific savings goal, start putting that monthly amount toward one of your other goals. The snowball style works in reverse too.

Did you set any financial resolutions for the year? What were they and how are you faring so far? Share your own ideas for how readers can get back on track with their financial goals in the comments.