"Every Kansan can find something that they can improve upon which is what resolutions are all about," McKinney said. "As a new year approaches, this is the perfect time to think about a financial resolution."

When setting financial goals it is important to make them measurable (how much, how long, how often), be sure that they are achievable - you want to challenge yourself financially but be reasonable and don't stretch yourself too thin, build in ways to reward yourself along the way for reaching financial milestones, and share your financial goals with others.

"Financial knowledge and improvement is the key to empowering an individual or family to become more financially secure and independent," McKinney said. "Financially empowered families mean stronger communities throughout Kansas."

The Treasurer's office released a few ideas for Kansans to consider as New Year's resolutions:

• Boost emergency funds
• Review/Update will/estate plan
• Set retirement income goals
• Talk to a financial planner
• Reduce energy costs in the home
• Begin discussing financial education at home with children
• Take a financial education class
• Eliminate/reduce debt

For free resources and tools to help you with your financially fit resolutions, please log onto the State Treasurer's Web site at www.kansasstatetreasurer.com/financial_resources. One tool that is helpful is Tomorrow's Money, www.kansasstatetreasurer.com/tomorrowsmoney. Check it out and start setting your financial resolutions for 2010.