Most American’s personal finance goals fell short this year

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That’s because many of them fell short of achieving their financial goals this year, according to a new study by Capital One.

The results found most Americans, though determined to do a better job this year with their finances — such as saving more or paying down debts — have failed.

“Only 34 percent of Americans feel they accomplished some of their financial goals this year,” according to a the survey. Here are some other reasons why many Americans won’t regret the end of 2015.

Capital One found “only 17 percent of respondents note sticking to monthly budgets.”

Why are so many failing?

“They lack a spending plan,” said Nicole Lapin, a personal finance expert who is working with Capital One to offer advice surrounding budgeting and saving during the holiday season.

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