Every January people make plans to sort out their money. Most of those plans are gone by February. The ones that last aren't about discipline or willpower. They're about setting things up so the right thing happens automatically.
The single most useful thing you can do is automate your savings. Set up a pre-authorized contribution to your TFSA or RRSP that goes out the day after you get paid. You don't have to think about it, you don't have to remember, and you can't accidentally spend the money. Two hundred dollars a month at a 7% average return adds up to over $120,000 in 25 years. The number isn't magic. The consistency is.
While you're at it, take 20 minutes to check your insurance coverage. Did your income go up? Did you buy a bigger home or take on a new mortgage? Did you have a child? Most coverage gaps don't announce themselves. People find them when they go to file a claim and discover what they have doesn't match what they actually need.
If you haven't already, make your RRSP contribution before the March deadline and claim the deduction on last year's taxes. When the refund arrives, put it straight into your TFSA. You've just layered a tax-deferred strategy on top of a tax-free one with money that would otherwise sit in your account and get spent.
Pick one goal with a specific number and a specific date. Not 'pay off my debt' but 'pay off my car loan by October.' Write it down and check it once a month. That's it. Small, steady progress on one real goal is worth more than a long list of vague intentions.