The holidays are over. Work has been piling up on your desk while you were away. You have a lengthy list of over-the-top resolutions staring you in the face. Oh, and you're also probably broke.

These are the sure-fire symptoms of January anxiety or "Janxiety" — the oh-I-was-going-to-do-so-much-better time of year. It's no wonder January is the most stressful time of year! But before you spend a sleepless night thinking about what needs doing, take a look at the symptoms and these simple ways to nip them in the bud.

You don't know where to start.

From incomplete work projects to your half-hearted plans to clean out your kitchen and cook up a month's worth of healthy and satisfying meals for your family, you may be feeling overwhelmed by the number of things you want to accomplish this month but haven't started. Now is a good time to take a good long look at your to-do list and pare it down to a few essential tasks that need to be completed each day. Start at the top and work your way down until those must-dos are complete. Hit your extra tasks with any leftover time you have in your day.

Your New Year's resolutions are laughing at you.

It's easy to get caught up in the vibe of a fresh new year by making overly ambitious resolutions, but that doesn't mean you have to trash the list altogether. Make a plan to meet small goals that you can build on throughout the year. Want to lose 100 pounds? Look for ways to add more healthy food and movement to your days in January and reassess your progress again next month.

You're broke.

Did you go a little overboard with the holiday gifts? Those bills will be due in the next few weeks. Look for the low-hanging fruit in your budget that you can trim to save some extra dough. Pack your lunch, skip the morning Starbucks, and steer clear of Amazon until you catch up. If necessary, talk to your creditors now, before you're late in your payments, to find out how you can refinance your debt.

You're tired, bloated — and addicted to eggnog.

After weeks of late-night parties and rich holiday foods, you may be heading into the new year feeling less than fresh. While there's no direct evidence that they work, some people — including celebrities like Gwyneth Paltrow, Bill Clinton and Beyonce — swear by detox diets as a way to reboot. If that's too much for you to tackle, try drinking more water each day to flush out your system. (As with any big lifestyle change, talk to your health care provider before you make any major changes to your diet.