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December 16, 2015
We are less than a month from 2016. And with with a new year comes the opportunity for a fresh start in your life, your health, and your finances. This is why we make resolutions. The problem is that most resolutions are are failed by the end of January. The reason for this is poor planning and without a plan a dream is just a wish.
Analyze Your Life And See What Is Needed Most
One major reason why people fail in their resolutions is they take on too much. They try to change their entile life all at once and it becomes overwhelming. You see this happen when people start intense work out programs. They haven't excersized in years and expect to do the workouts that top atheletes do. After a few days they become frustrated and pessimistic that they won't ever be able to do it and quit.
A better way to go about your resolutions is finding out what you need to change the most and just focus on that until it is done and then move on to something else. So what is really hurting your life? Is your credit score keeping you from getting a home, is it that you don't have a savings in case of an emergency, have you gained some weight in the last year and would like to get slimmer? Determine what is the most crucial make a plan to tackle that.
Get A Calander And Make A Plan
Once you have found your resolution you will need to get a calander. This is very important because it will help you keep track of your progress everyday.
Once you get that calander you can begin to plan. To plan you need to break down your resloution into little steps, Lets say your goal is to have $10,000 in savings by the end of the year. Well how much money will need to be saved every day, every week, and every month. How are you going to save that money? Will you be taking on extra work by getting more hours or a second job or will you be needing to cut expenses? What expenses will you need to cut, tv, going out to eat, shopping etc? Once you know this you can make your plan.
Stick To It
This unfortunately is the hardest part but this is just where your calendar comes it. By breaking your goal down into mini daily, weekly, and monthly goals you can use your calendar to keep track of your progress. Just mark off every day as you work towards accomplishment. As you pass through the year you will notice your progress is really working and it will get much easier to continue on. Then at the end of the it will be time to celebrate a job well done.