3. Put each action step into your calendar, ideally with a time, as an appointment with yourself that you will not break. Perhaps you put into your calendar that you'll buy your "expenditures notebook" tomorrow on your lunch break and immediately begin recording everything you spend.
4. Accomplish each action as you've promised yourself.
5. Make adjustments in your planning and scheduling as needed to reach each milestone, and your goal.
This is the only way to make personal finance goals happen:
DECISION ==> COMMITMENT ==> GOAL ==> MILESTONES ==> ACTIONS ==> DEADLINES ==> CALENDAR ==> TAKE ACTION!
Repeat, over and over, until you reach each goal. Everything in this formula MUST be included in this process. And remember to make each action step small and discrete, so you can achieve it easily without becoming overwhelmed.
Forget resolutions and stick with goals, which you can easily make and take action on any time, not just at the beginning of each new year.