If you are ending the year with anything less than a "Wow, what a year," then the change you really need to make this year is to enlist help and support to achieve your goals. Shared goals are more likely to happen.
For me, it took 14 unpublished books, my father's death and a near divorce to finally see that happiness is a choice. And one I was hell-bent on making. But it meant that I had to let go of suffering once and for all.
This country's New Year Resolution should be to take immediate action to get it's financial affairs in order and ensure the future prosperity and viability of the country's balance sheet going forward.