And, as the study makes clear, they want to keep the momentum going.

Of the 67 percent considering making a financial resolution, “saving more” and “paying down debt” topped the list, respectively, at 53 percent and 51 percent.

“Living a debt-free life was the biggest motivator for them,” says Melissa Ridolfi, Fidelity’s vice president of retirement and college products.

Heck, given the choice between the classic New Year’s resolution of losing five pounds or socking away $5,000, a resounding 84 percent in the national survey of 3,012 adults opted for savings.

If you want to avoid the biggest and smallest mistakes that respondents made, read on:

• Dining out too much (36 percent).

• Spending too much on non-essentials, such as unused apps, streaming media services, and subscription retail boxes (29 percent).

• Taking on debt or adding to existing debt (28 percent).

•Splurging on something they couldn’t really afford (28 percent).

• Unexpected medical expenses (24 percent).

• Failing to save as much for retirement as they should (18 percent).

So with all the interest in getting a grip on debt, who seems to be faring the best at it?

Boomers, the study finds, with 29 percent crediting being better off financially at year’s end to having refinanced, paid off, or reduced debts or loans. Generation X, the next oldest, trailed at 21 percent, followed by 19 percent of millennials, and just 6 percent of Generation Z.

“Boomers are getting the message that the closer they get to retirement, the more essential it becomes to get their debt under control to make the most out of retirement savings,” Ridolfi says.

Certainly, there’s no law that says you have to make a New Year’s resolution – financial or otherwise – but even a huge chunk of those surveyed who weren’t contemplating explicitly doing so, still say they are planning on building up emergency funds. As for what you might call the “traditionalists” out there? Fidelity has some tried-and-true tips that can help ensure your financial vows don’t wind up being among the 80 percent of all resolutions that U.S. News says, alas, fail by the second week of February.

The firm also has an impressive, free online “Moments” tool designed to help you plan for lifestyle changes or react to a myriad of curveballs – i.e., the unexpected medical expenses cited as a big setback in the study – that life throws at you. And accessing the Fidelity Retirement Score gives you a quick look at where you stand with your savings.

Oh, and here’s one last thing to see if you can relate: Seventy-eight percent of those surveyed predicted they’d be even better off financially in 2020.