This is Financiall Insanity w-Scott McLean.  Today's show is financial resolutions.  It's that time of year again when oeople break their new year's resolutions quickly after making them.  But an important new year's resolution you should keep is financial related.  Learn how to be financially smart with setting goals like refinancing or consolidating your debt, how to stay on a budget or living below your financial means, maximizing your retirement contributions and using a cash back credit card for most purchases.  Plus, important goals when nearing retirement.