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Make a plan to get your money resolution back on track

FILE - In this Wednesday, March 10, 2021 file photo, a couple walks through a park at sunset in Kansas City, Mo. For many Americans, 2021 didn't start off as swimmingly as expected, and neither did their financial New Year's resolutions. But the year is far from over. It's not too late to get those goals back on track after a slip-up. (AP Photo/Charlie Riedel, File) FILE - In this Wednesday, March 10, 2021 file photo, a couple walks through a park at sunset in Kansas City, Mo. For many Americans, 2021 didn't start off as swimmingly as expected, and neither did their financial New Year's resolutions. But the year is far from over. It's not too late to get those goals back on track after a slip-up. (AP Photo/Charlie Riedel, File)

By LAUREN SCHWAHN / NerdWallet via The Associated Press March 20, 2021 4 min read

We’re three months into 2021. Let’s check on those financial New Year’s resolutions. (Remember those?) Quite possibly, they’ve already gone awry.

Maybe you planned to build a $1,000 emergency fund, but the balance is still zero. Or perhaps you swore off takeout, yet you’re scraping the last bite of chow mein from a paper container as you read this.

Don’t beat yourself up. You don’t have to give up on your goal because of a setback.

“There’s nothing magical about New Year’s, and you don’t have to wait until 2022 to try again,” says Amy Hubble , a certified financial planner and founder of Radix Financial LLC in Oklahoma City.

Here’s how to salvage your money resolution.