Why do about 80 percent of new year’s resolutions get abandoned every February? “Making a resolution is like making a wish; without a plan of action to make it come to fruition, your resolution is simply wishful thinking,” says Joyce Marter, licensed psychotherapist and author of The Financial Mindset Fix: A Mental Fitness Program for an Abundant Life. “Lasting behavioural change requires modifying the ways we think and behave and creating systems for ongoing reinforcement, accountability, and support,” she says. “It also requires a recommitment to that change every day – and every hour of the day.” Marter explains that lasting change also requires resilience – what she calls “the ability to bounce back from setbacks and recommit to the process.”