20 New Year's resolutions related to payments and payments habits suggested by AI models:1. Avoid buying coffee with credit card just for points.2. Stop pretending to understand the stock market.3. Use stronger passwords instead of 'password'.4. Read the terms and conditions of credit cards.5. Don't panic at every bitcoin price alert.6. Memorize online banking passwords without resetting each time.7. Don't use pet's name as PIN.8. Understand what blockchain is.9. Avoid seeking stock tips from bank tellers.10. Stop blaming ATMs for low balance.11. Don't consider credit card as 'free money'.12. Resist investing in companies purely based on their logo.13. Avoid using 'show me the money' as voice command for banking app.14. Treat piggy bank as a fun savings account, not a legitimate one.15. Don't impulsively buy cryptocurrency after watching YouTube tutorials.16. Stop calling financial advisor to chat about weather.17. Resist the temptation to create a personal cryptocurrency after a pet.18. Change text alert for incoming transfers, no longer using 'cha-ching'.19. Eliminate the idea that wallet is where money goes to die.20. Admit the lack of understanding about APR.