Surprise, the most effective new financial year resolution is not financial at all!
It is to plan what you aim to achieve in your business during the year, set goals and work out how you will achieve them. Of course, some of these will be financial but not all.
In the modern world, some will relate to technology for most businesses. Even if you are working in a business where technology is not directly part of what you do, you most likely depend on a mobile phone and may use the internet or social media for marketing. Just think back to the last time you had something repaired. Did the tradespeople carry mobile phones? I’m sure they did.