It's nice to have curious brokerages around. TD Ameritrade (Nasdaq: AMTD) recently released the results of a survey it commissioned asking Americans about their New Year's resolutions. It seems that fully 69% of respondents plan to save more money in 2008, while 57% aim to pay down their debt and 46% want to cut back their spending.

That's the good news.

Here's the bad news
But every silver lining has a cloud, right? The survey also offered some less encouraging news:

  • Roughly half of all financial resolutions are abandoned within a month.
  • Among those who make these resolutions, 85% of women and 76% of men are likely to break them before year's end.

If you wonder why these resolutions get broken, one reason is offered by the survey: fear. Fifty-three percent of women and 34% of men admit that investing is scary. That doesn't surprise me. After all, few of us were ever taught about financial matters in school, and we've grown up assuming that many others know much more about investing than we do. Your neighbor might brag about one good investment, but his overall portfolio returns might be negative. He might have bought his Lexus with credit card debt he can't easily repay.

Take action
Fortunately, all isn't lost. Tending to your financial garden doesn't have to be like brain surgery. Here are some Foolish resources you can use to make and stick to your resolutions:

  • Trying to get your debt paid down? Our Credit Center can guide you through paying off credit card debt and can help you make the most of credit and debit cards.
  • Need an emergency fund? Head to the Savings Center to sock away your short-term money in effective investments.
  • Want a simple investment? The simple broad-market index fund gets you quickly invested into hundreds or even thousands of companies. It's a great place for money you won't need for five or 10 years.
  • Want to buy some individual stocks? Check out our Broker Center to find the best broker for your money.

So bring good news to your New Year's by following through on your resolutions today. Best wishes for a great 2008!

Help us in our goal to give every young person around the globe a financial education! Learn more about the new direction of Foolanthropy, now in its second decade, here.

Longtime Fool contributor Selena Maranjian does not own shares of any companies mentioned in this article. Try any of our investing services free for 30 days. The Motley Fool is Fools writing for Fools.