The lines that form behind gym equipment in January then dwindle come Valentine’s Day are proof that sticking to New Year’s resolutions can be difficult. After all, altering your lifestyle isn’t as simple as flipping a switch; it’s a commitment to changing your daily habits. Thankfully when it comes to saving for retirement, changing your daily habits is often simpler than dragging yourself out of bed to work out. It does, however, require a commitment. Check out these 3 simple ways to stick to your retirement savings resolution and decide which options are right for you.

Use your debit card for day-to-day purchases

Using your debit card for day-to-day expenses can help you more closely track your spending. If you’re not accustomed to carrying much cash, think about the last time you were reimbursed by friends or you cashed a birthday check. You were probably pretty careful about how and where you used it, trying to make it stretch a little further. Now think about treating all of your day-to-day spending that way.

When you take more time to think about how and where you spend your hard-earned dollars, you may find yourself left with a little extra money to put toward saving for retirement each month.

Set up automatic bill pay and transfers into savings

Setting up automatic bill payments and transfers into savings can be very helpful for sticking to your retirement savings resolution. In addition to saving you the time you may otherwise spend paying individual bills and making manual transfers each month, automating these processes can remove the temptation to use your cash for things outside your budget. And if you’ve aligned your retirement savings goal with your monthly automatic transfers, every additional contribution could put you ahead of your savings goal.

Download your mobile banking app

Another good way to stick to your retirement savings resolution is to make tracking your progress easier and more convenient. You can do this by downloading your mobile banking app and checking in anytime. You can set personal goals each week, month or quarter and see how you’re doing around the clock in the app. You might find that seeing your progress – or spotting opportunities to catch up on your savings – can motivate you to stay on track.

Starting out the New Year with a goal in mind can set you on a path to success, but changing your habits can be tough. Making small adjustments can help you stay the course, especially when it comes to saving for retirement. As you continue to work toward your resolutions, schedule your complimentary goal planning session to get the year off to a great start.