Financial planner offers tips for staying fiscally fit during the New Year.

You’ve made your New Year’s resolutions - things like losing weight, eating right, and hitting the gym.

But what about your financial muscles?

As 2012 gets up and running, here are a few tips for what you need to do to improve your finances this year, courtesy of Miami financial planner Craig Weisman:

1) Make a plan.

2) Take care of basics like paying off your debt and sticking to a budget.

3) Put money away for retirement.

4) Be mindful of your credit card spending.

Weisman says that when it comes to your credit cards, do not fall into a trap and use them more than you can really afford.