Most financial resolutions fail because they're vague ('save more') or aspirational without behaviour change ('be financially free'). Specific time-bound goals with concrete behaviours work better — and the principle is the same as for fitness or any habit-driven change.
What good financial goals look like
'Save £6,000 in 12 months via £500 automatic monthly transfer from current to savings account on payday.' Specific amount. Specific timeline. Specific automation that doesn't depend on motivation.
Why behaviour change matters more than amount
Setting a goal to 'save £20,000' without changing automatic behaviour is wishful thinking. Setting up the £500/month standing order is the actual goal. The £6,000 is just the maths.
Audit your financial goals. If they're not specific, time-bound, and operationalised through automation, they're wishes. Convert wishes into systems.