NEW YORK (TheStreet) -- This week the curtain lifts on 2014, and for millions of Americans that means a blank slate and a chance to make some positive changes in their lives.
While that's commendable, what changes, exactly, will people be targeting after New Year's Day?
BMO Harris Financial Advisors, a Chicago money management firm, has released a study detailing the types of New Year's resolutions Americans will be making.
All in all, 68% of U.S. adults say they will be making a New Year's resolution before the clock strikes midnight tonight.
Of those Americans, the resolution breakdown looks like this (with many survey respondents telling BMO Harris they are focusing on multiple resolutions): Getting in physical shape is the most common resolution (39% chose it); improving personal finances (28%); working on their emotional health (27%); improving their romantic life (16%); and getting ahead in their career (16%).
The key to achieving or meeting your New Year's resolutions is to have a plan, BMO Harris says -- no matter what your goal.
"Your finances have an impact on so many areas of your life, so it's not surprising that they figure so prominently when identifying goals for next year," says Michael Miroballi, president of BMO Harris. "For those considering making New Year's resolutions involving dollars and cents, the chances of actually achieving your financial goals increase significantly if you take the time to create a financial plan. For example, if you want to get in shape or lose weight, you need to create a plan that will most likely include an exercise schedule and a diet regime. The same holds true for your financial objectives -- it all starts with a plan."