Every December we are all very motivated to change our life for the better! We get our pens out, we decorate our vision boards, and we make promise after promise.  Then the next December rolls around and we have done nothing! Since improving finances is in the top two of New Year Resolutions I want to share a couple of tips that will help you stay on track and achieve your money goals!

You are not perfect:

When trying to achieve financial goals nothing is going to be perfect.  You are going to have setbacks and disappointments.  The key is not to give up when this happens.  You have to pick yourself up and keep going until you reach your goal.

You have to do the work:

Winning the lottery is very unlikely. Someone is not going to drop a suitcase filled with money at your doorstep.  You have to do the work.  If you want your finances to improve you are going to have to make some sacrifices.  You are going to have to say no to some things for a little while so that in the future you can say yes for the rest of your life. Be prepared to walk alone:

One of the main reasons that we don’t achieve the money goals we set for ourselves is that we want everyone to go on the journey with us.  We want everyone’s blessing and when they don’t agree with what we are doing then we quit.  We quit because we don’t want to do it alone.  Understand that it is okay if friends and family don’t agree with you improving your finances. This is a journey you can walk alone and in the end you will be in a better place financially because of it!

Don’t have the same goals year after year.  It is time to achieve those goals so you can move on to new ones!

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International Financial Literacy Speaker and Author

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