This is the time when many people make resolutions for the upcoming year. Determining to lose weight, eat healthier or exercise more are some of the most common New Year’s resolutions. But last year, financially-related New Year’s resolutions also consistently made it into the top.

As 2018 approaches, you may be vowing to do better around your physical and financial health. If you fall into the latter camp, here are five ideas to get you started:

Manage Your Debt Efficiently

Excessive and irresponsible use of debt is one of the biggest hindrances to financial success for many people. Every dollar that goes toward paying down debt is a dollar that can’t be used for more productive financial goals like saving for retirement or college.

Start by prioritizing so you can focus on paying down debts with the highest interest rates first. For most people, this is credit card debt. If you carry balances on more than one card, focus on paying off one card at a time before moving on to the next one. When you’ve paid off all your credit card debt, move on to other consumer debts like car loans.

Your goal shouldn’t necessarily be to eliminate debt, but rather to manage your debt efficiently. When used responsibly, debt can be an effective financial tool — deductible home mortgage and home equity line of credit interest is a good example. You might consider restructuring some debt; for example, locking in fixed-rate debt for the long term before interest rates move higher.

Control Your Spending

This goes along with managing your debt. Paying down debt won’t accomplish much if you don’t get a handle on spending — you’ll just find yourself right back where you were in a year or two.

Controlling spending is often a matter of learning the art of delayed gratification. Instead of using a credit card to buy things you want right now, wait until you’ve saved enough money and then buy them. Many people find that they enjoy their purchases more when they buy them this way because they don’t have the cloud of debt payments hanging over their head.