@PennyChan,
I think this is a joke saying "I resolve to stop spending all the money in my checking account."
It is common to use the new year to make resolutions - decide to do things to improve yourself. In math, rounding to the ones digit means taking a number like 123.45 and "rounding" it to 123. Rounding to the tens digit would make it 120. This is why I think this is a joke. Rounding to the nearest zero really doesn't make sense, but the author is probably saying that his checkbook is often empty.