I was hoping to get this post in first, but Kristen beat me to it with her latest post.  Suffice to say, I’ve already broken one of my New Year’s resolutions, which was to blog more.  A lot more.  But I guess we are only three days in, so I’m not that far behind, and with Kristen and Lynn taking up my slack, I think we’ll have a more diverse and powerful blog.

New Year’s resolutions have a habit of being broken very quickly, and very hard.  Whether you want to lose weight, get a new job, start a business, love your family more or just simply be nicer, it can be difficult to maintain those resolutions.  Resolutions however, are a bit like quitting cold turkey or expecting to get the body you want as soon as you step into the gym.  It doesn’t happen overnight.  Sometimes, those resolutions would be better served to be turned into goals.

Baby steps.  You don’t walk before you run, and all of those other cliches.  This post is pretty much non-finance related, but think about your goals for your finances.  Paying down debt.  Increasing your 401k contributions, learning more about your risk profile and more about how you want to invest.

For example paying down debt.  If you have any debt, the best way is to set paying down one thing.  Take your smallest balance and attack that first.  Figure out how much you can apply towards it and start chipping away.  Knowing that you paid it off will help you gather your confidence to pay off the rest.

Remember to set goals, and not hard and fast tasks.  Your resolutions should be seen as a process with a goal in mind.  Try to find someone to keep you accountable.  Good luck!  My plan is to start with two of these a week and see if I can get to one a day.  Help keep me accountable!