Saving a little extra makes a big difference to retirement

New Year’s resolutions can be invigorating.

It’s a brand new year and a chance to do things right. As such, some resolutions tend to show up again and again on lists, such as save more, spend less and lose weight.

A key to making resolutions stick though is to make the goals concrete. So if saving more is your aim this year, try this more specific goal on for size — set aside just 1 percent more for retirement