Yes, setting a resolution plan for the new year is a good thing, but the most important thing is to commit to implementing the plan for the rest and not to be lazy or surrender to failure.
For example, last year, I made a plan to do some exercises to lose weight. At first, I adhered to the plan and started exercising every day, but after about a month had passed, I got bored and started to stop exercising little by little.
The same thing happens to people who make a plan to quit smoking, for example, and the same goes for financial plans. What is important is patience and persistence until the end.