What Are Your Financial New Year's Resolutions? Here are 3 of My Financial Resolutions

We've reached the end of another year, and that means that it is time to reflect on this past year, and look ahead to what we'd like to accomplish in 2010. While some people don't like to make New Year's resolutions, I find that it helps me refocus on what I should be doing. I tweak and adjust throughout the year, but New Year's resolutions give me a good starting place.

My three main financial New Year's resolutions for 2010 are these:

1. Refinance the house: This was actually a resolution for 2009, but I never did it. But with interest rates on 15 year mortgages still below 5%, I'm really going for it. I'm going to head to the credit union and see what I need to do. Because the savings could be huge.
   
2. Open a Health Savings Account: One of my 2009 resolutions was to look into my situation. Back in the summer, it appeared that getting a high deductible insurance plan wouldn't offer me much of a discount. At the time, a Health Savings Account didn't seem all that great. Now, though, with the insurance company socking me mid-term with two age-based premium increases, it appears that the high deductible plan is back on the table. And that means a Health Savings Account.
3. Retirement account for my husband: We've had a retirement account for me for years. But I'm thinking that we need one for my husband. He's expecting to finish his Ph.D. in 2010, and that means a job. But, even if it doesn't, we have enough money now to at least fund another IRA.

I'm fairly certain that these three financial New Year's resolutions will result in a better financial foundation going forward.

What are your financial New Year's resolutions?