How to get in better financial shape this year

I’m writing a piece for Colonial Life on ways/how to get in better financial shape this year: -What are some “good” financial goals to set and start working on as soon as possible in the New Year? -How can people balance competing financial needs throughout the year? Where should people start if they’ve never taken a serious look at their finances? -What is one commonly overlooked area people miss out on when trying to improve their finances? -What are some tricks/ways people can keep themselves motivated throughout the entire year to continue working on improving their finances? Requirements: Preferably someone from the financial services sector, or financial advisor. If you’re from a PR firm, please have the quotes sent directly and not an offer to connect or have a call. Please send responses in quotable sentences as that would be most helpful. NO product/promotional pitches please.