Alex Vermeer's guide "8,760 hours" [1] could be helpful if you didn't already come up with your resolutions: Its method gives you a framework how to analyze and prioritize your long term goals for this or the next year.
An alternative in Germany (or any country adhering to the IBAN/BIC numbering system) is cringle [1]. It uses direct withdrawals (Lastschrift) or wire transfers and does not require the other party to have a cringle account in order to receive money, according to their website.