Joe Heider, president of Cirrus Wealth Management, is included in Cameron Huddleston’s recent GoBankingRates.com article about financial New Year’s resolutions. Heider offers advice on how to make and stick to resolutions. “If you want to resolve to stick to a budget in 2016, it starts with creating a realistic plan. Think of your budget as a spending plan — list your priorities for spending rather than ways to restrict your spending,” he says.