(BPT) - Creating better financial habits tops many New Year’s resolution lists every year. If it is on your list for 2013, there are a few steps you could consider to help you pursue your goals.

According the Fall Merrill Edge Report, 77 percent of mass affluent Americans – those with $50,000 to $250,000 in investable assets – said they are going to track and manage their budget over the next six months. Another 65 percent said they are going to save for retirement and 61 percent said they are balancing their short- and long-term financial needs.

“When planning for the New Year, it’s more important than ever to think about your financial goals,” says Dean Athanasia president of Preferred and Small Business Banking at Bank of America. “As Americans take on more complex financial responsibilities, we encourage them to gain more control over their financial future by setting goals, seeking counsel and saving earlier for retirement as well as their children’s education.”