Losing weight and improving one’s finances are almost always at the top of most people’s lists of New Year’s resolutions. It makes sense to look out for your physical and financial health so you can enjoy life to the fullest. Following through on your resolutions is usually the tough part — it takes changes in certain behaviors, discipline and time to experience and maintain the results. This is as true for financial planning as it is for losing weight. If improving your finances is one of your New Year’s resolutions, here are five steps you can take starting Jan. 1: Immediately Pay Down Holiday Bills and Credit Cards. Many people splurge on holiday gifts, parties and travel in December, but the bills will come due in January. Resolve to pay down those debts quickly to avoid large interest charges on your credit cards. Set a goal to pay off the total amount on one card within a few months, if not sooner. If you or your spouse expects a bonus check from your emplo