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FILE - This April 3, 2019, file photo shows a tip box filled with U.S. currency in New York. Money resolutions are common — but keeping them isn’t. You can beat the odds by taking a monthly approach to your yearlong money goals. To start, make sure you understand your money situation so you can set realistic targets. Then focus on what you can accomplish each month. (AP Photo/Mark Lennihan, File)

FILE - This April 3, 2019, file photo shows a tip box filled with U.S. currency in New York. Money resolutions are common — but keeping them isn’t. You can beat the odds by taking a monthly approach to your yearlong money goals. To start, make sure you understand your money situation so you can set realistic targets. Then focus on what you can accomplish each month. (AP Photo/Mark Lennihan, File)

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