Happy New Year 2014

Poster:
All

This January marks the start of our eleventh year of publishing the The MoneySmartFamily.com Web site! Our money saving habits may have improved, but we haven’t changed our basic philosophies:

1. Avoid debt with a smile;
2. Live below your means;
3. Embrace the frugal lifestyle;
4. and Realize that family and friends are our most important investments.

JUST SAY NO TO RESOLUTIONS

We advocate avoiding New Years resolutions! Why? Because most people don’t

keep them. By repeatedly making resolutions and not actually accomplishing them we train ourselves to fail. Why not do something different?

Why not plan to succeed?

There is an old saying that goes, “By failing to plan, you are planning to fail.”

So this year, rather than just wishing a resolution would come true, change your thinking and change your habit. Pick one goal (not a wish) write it down on a 3 x 5 card and tape it to your bathroom mirror. Read it every day. Read articles about your goal, ask friends about your goal. Talk with experts about your goal. If you become obsessed (in a good way) about learning and mastering whatever your goal is, you’ll almost be guaranteed to accomplish it.
The two most common New Years Resolutions are:

1. Lose weight
2. Get out of debt

If you are focusing on either of these top two, skip the resolution and make it a real goal. Ninety percent of people never write their goals down. We’ve written our goals out for years and years and are amazed at what we’ve accomplished.

Don’t waste another minute with wishful thinking—write it down and you’ll have taken your first step to reaching that goal!

Steve's college gymnastics coach, Don Robinson, had a saying that he drilled into his team members . . . Do It Now!

2014 We hope you'll take a minute to do it now and write down a goal or two.

Why not make it a goal this year to manage your income in such a way that next year at this same time you’ll look at your bank balance and really smile?

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