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BMO says the survey found that 59 per cent of the respondents had a financial plan, and 82 per cent of them believed it helped. For those without a financial plan, the top reason given (37 per cent) was lack of enough money.

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Bank of Montreal says personal finance issues is the No. 2 topic for Canadians who are making New Year resolutions for 2014.

It says only health and fitness is a higher priority among Canadians who are making New Years resolutions this year.

A study released Friday by BMO found 80 per cent of those surveyed in November planned to make some sort of resolution.

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Of those, 36 per cent resolved to become financially fit – compared with 51 per cent focused on their physical health and fitness.

BMO says the survey found that 59 per cent of the respondents had a financial plan, and 82 per cent of them believed it helped.

For those without a financial plan, the top reason given (37 per cent) was lack of enough money.

BMO's study is based on a Polaris online survey of 1,010 Canadians aged 18 years and over, conducted between Nov. 21 and 25.

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