Americans make plenty of New Year's resolutions, but improving their financial condition next year is not top-of-mind. Just 17 percent say money matters will take precedence, according to a new survey by COUNTRY Insurance & Financial Services. Instead, most will resolve to lose weight and exercise more (24 percent) or spend more time with friends and family (23 percent).

In the same survey, Americans say they'll make better financial choices next year, although their actions may not be in line with their goals. A resounding 75 percent say they are likely to make necessary adjustments to their finances in the year ahead, even though 40 percent claim they either do not have a financial plan (10 percent) or have not reviewed the one they have in the past year (30 percent).

"While many people say they will make changes to their finances in the coming year, it takes discipline and planning to make a noticeable difference," says Keith Brannan, vice president of Financial Security Planning at COUNTRY. "Much like getting in shape or quitting smoking, improving your finances is often a lifestyle change that you must stick to for the long-term."

When it comes to taking steps to improve their financial security in the coming year, nearly one-third (32 percent) say paying down debt would have the greatest impact on their financial situation. This is closely followed by those who say that saving more (27 percent) and making smarter spending decisions (16 percent) would improve their situation most.

"If you don't have a financial plan, create one. If you do have one, review it," adds Brannan. "Revisiting your plan before the New Year begins will help you make needed changes as you hit important milestones, such as getting married, starting a family, putting kids through college or nearing retirement. A plan will put you on track to achieve long-term financial security."