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“Ask Brianna” is a column from NerdWallet for 20-somethings or anyone else starting out. I’m here to help you manage your money, find a job and pay off student loans — all the real-world stuff no one taught us how to do in college. Send your questions about postgrad life to askbrianna@nerdwallet.com.

Q: I never keep my New Year’s resolutions. But this year, I set a goal to save more money. How can I finally stick with it?

A: When we set money goals, our motivations are pure. A new year has just begun, we recently got engaged or we’re trying to stockpile a down payment.

But we g...