Every year once the bills start coming in, the New Year's resolutions to save money, put money away for retirement and/or pay down your debt start to fall by the wayside. New bills, unexpected expenses and temptations are everywhere. Yes, you may want to "throw in the towel" and break your New Year's resolution. You may even be asking yourself why you made the resolution in the first place. The very first thing you should do before deciding to break your resolution is to ask yourself the following questions.