A PLAN TO ACHIEVE YOUR NEW YEAR RESOLUTIONS!  

It is that time of year again.  Remember that failing to plan is planning to fail.  Most of us do not make resolutions because we are just recycling the past ones we never completed, or we are starting the year with the negative assumption that we will not complete any resolutions so why bother?

It is easy to make a positive start. Use a 3-ring binder to list all your dreams, wants, needs, and wishes - make them visual.  Then pick one you can do today, even if you have to do it in steps eg to start investing you can write your goal, then sketch a budget, open a savings account, transfer $100, then choose an investment advisor, then buy the investment, etc. Then repeat daily!  Baby steps work!