If you’re like most Americans, ringing in the New Year also means resolving to change old habits, or start new ones. Year after year, getting one’s personal finances in order consistently ranks as one of the top 5 New Years resolutions. As with any resolution, the hard part is not making the promise, but actually putting it into action – consistently. Many of us have suffered through overcrowded gyms in January, only to see attendance slowly wane in February and March. But, if you are like the majority of Americans who will commit to get your finances in order in 2011, here are five concrete steps you can take now to get you on the right track.