2. Pay down credit card debt.
It’s hard to feel like smiling when you’ve got the burden of credit card debt weighing you down, whether it’s college debt, shopping sprees, or medical costs that weren’t covered by insurance. Make a resolution right now to erase your credit card debt forever, and you’ll be amazed at what a commitment—and follow-through—will do to make you feel good. Learn more about settling credit card debt at the Federal Trade Commission’s website.
