LITTLE ROCK, Ark. (KTHV) -- Most New Year resolutions, like vowing to lose weight or quit smoking, are usually made with great intentions only to be forgotten by the end of January. 

If you want to stick to your get out of debt goals- here are 4 tips from experts thanks to Yahoo!.

Financial expert Andrés Gutiérrez suggests following basic guidelines: time-limited, specific, written and measurable.

1. Set a time limit. But be realistic. Don't just say you'll get out of debt this year, say I'll pay this much each month to get out of debt by January 2014.

2. Be specific. Define your goal even further by deciding how the debt will be paid. Are you going to designate "X" amount from each paycheck? Are you going to see some items you don't need anymore? Make sure you know where each payment is coming from.

3. Write it down. This makes the goal more real and let's your rational side take over more than your emotional side. Put the goal somewhere you'll see it quite often.

4. Measure yourself. Give yourself a quick goal-check every quarter or mid-year to make sure you're on track.

4. Keep yourself accountable. Couples need to come to the table and stay until common goals are agreed upon and a budget set up. For singles, they tend to live without much financial accountability. Gutiérrez says a single person needs to find someone who is good with money to hold them accountable to stay on track with their financial goals.

If you follow these tips you will be on your way to make 2013 a debt free year.