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Want to improve your finances in the New Year? You aren’t alone. Financial resolutions are among the most common, with people resolving to get out of debt, save more money, and clean up their spending.

But “spend less” and “save more” may not cut it. Most people don’t keep their New Years resolutions—not from lack of willpower, but because they don’t have concrete ideas about how to keep them.

If you’re struggling to make your monthly student loan payments, you may be considering ways to lower them. By refinancing for a lower interest rate or a longer payment term, you could reduce your payments to a more manageable number.

Of course, you might benefit from refinancing your student loans even if you don’t have trouble making your payments.

Owning your own home has long been a part of the American dream. Put down some roots, get your piece of the pie, and build valuable equity to help shore up your financial future at the same time.

But is buying a home is a good investment in today’s economy?

Does the thought of ten tiny fingers and ten tiny toes leave you feeling happy and content or totally freaked out?

If you’re like most people, it’s probably a little bit of both. After all, having a baby is a big deal, and one that comes with a hefty price tag.

You’re probably grateful that student loans helped fund your education—but now you’d be even more grateful if that debt would loosen its grip on your finances.

One way to instantly change your financial outlook in terms of student loans is to refinance. In fact, many people reduce their monthly payments by over $200 a month, and save close to $20,000 over the life of their loans.

You know most good things don’t last forever.  Right now, interest rates on mortgages still average below 4% on a 30-year fixed mortgage. Who knows how long will those historic lows last?

Maybe you’re debating whether to buy that dream home while the getting is good. But ... there is the matter of your student loans. Is it smarter to pay them off before taking on homeownership?