INDIANAPOLIS (WOWO): Paying off debt is a popular New Year’s Resolution–because it seems some people are interested in seizing the day than taking steps to improve their financial future.

Indiana Financial Planner Peter Dunn says if your goal is to reduce your spending and pay down debt- set a 30 day goal.

It's more realistic and likely to happen rather than setting an unrealistic dollar money in a short amount of time.

Dunn says it's not about reducing the 'amount' of dollars you spend, but the number of' 'times' you spend money.