More than half of us will try to keep to a strict budget this year, according to a thinkmoney survey of people's financial goals for 2013.
The survey, carried out by Opinium Research on behalf of thinkmoney, found that a large number of us want to make more of our money this year. Some 27 million UK adults (55%) will be trying to budget more carefully, while 21 million (41%) will try to save money by shopping around for cheaper tariffs on things like utilities and mobile phones.
Meanwhile, many of us will be thinking about the future: 15% (8 million) will be either starting a pension or putting more into an existing pension scheme, while 24% (12 million) intend to write a will.
And it seems that there are some differences between the age groups when it comes to financial goals. 64% of 18-34 year olds said that sticking to a budget was a top priority for 2013, compared with 58% of 35-54 year olds and 45% of over-55s.
Likewise, while 40% of 18-34s want to focus on paying off debt this year, just 17% of over-55s say the same. This is probably in part due to the fact that more than two thirds of over-55s said they had already paid off their debt, or didn't have any debt.
Ian Williams of thinkmoney commented: "2013 is set to be a challenging year. Benefits being capped, wages stagnating, the threat of a triple-dip recession - we all have plenty to worry about as the year gets underway.
"So it's encouraging to see households attaching so much importance to their finances. The number of people determined to stick to a budget seriously outweighed the number promising themselves they'd lose weight - even though 29% of our respondents said they'd do that this year!
"It may sound obvious, but a good budget is quite simply the best way to get through difficult times with your finances intact: if there's one thing just about anyone can do to improve their financial security this year, this is it.
"If you're looking for some help managing your money, the thinkmoney Personal Account could be what you're looking for, as it comes with a built-in budgeting service designed to get your essential bills paid on time and make sure you don't accidentally spend more than you can afford."