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Benefits
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Benefits
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Are you going to make a New Year's Resolution this coming year? So you want to change your life? Looking to make it better? Every year good intelligent individuals make New Year's Resolutions with every intention of following through with their goals. Sorry to say, within a short period of time the motivation and drive have left, and the vision, desire, and eagerness are thrown out the window. So do you really want to reach your goals this year? Are you truly tired of doing the same thing and getting the same results?
Whether your goal is to eliminate debt, lose weight, go back to school, start exercising, purchase a home, car, get a man, or start a new career, I'm going to share a simple strategy with steps you can do immediately to get you started in the right direction. Keep reading!
Make a Decision
The first step in any process is to make a firm decision. If no decision is made then you sit in limbo, wishy-washy, and unstable in all of your ways. Know what you want to do, where you want to go and do it!
Have a Plan
You know the old saying "if you fail to plan you plan to fail.” Well, it's true! Therefore, clearly define your goals; write down a strategy plan, and come up with a time-line to get you there.
Be Committed
Regardless of the valley, peaks, storms, and setbacks in life, and there will be many, keep moving forward. Success means to make progress. If you stumble or fall, get up, and keep moving towards your goal. If you must crawl at first, do it! Then walk until you can run!
Get Accountability
Have someone to hold you accountable to your New Year's Resolution. I call it an "accountability partner." Allow someone you trust and can confide in to keep you moving towards your goal, and to follow up with you.
If you want a wealthier, healthier, and more balanced New Year, do something about it. Faith is good, but usually you need some action behind it. You want change? You want to see progress? Then make a firm decision, work your plan, stay committed, and watch your resolution become reality.
Sharman Lawson a columnist on Fabulously40, and a financial coach, speaker, and author of the book 12 Steps to Eliminate Debt Forever! Visit her website: [Link Removed]
So true, Sharman. I’m a firm believer in vision boards, setting goals, tracking success. I do my best to take the words “will” and “want” out of my self talk unless they are followed with a target date for achieving.
Something I’d like to share with you. I use a credit card for business purchases and usually I’m able to pay it off within a sale or two.
Sometimes I have to purchase equipment or supplies that take a little longer to pay off. One thing I do, however, is to go online and pay the balance down often, sometimes two days in a row. When I make a sale, say, for $250.00, I deposit the whole amount and then turn around and make a payment on my credit for $200.00. This pays my balance down quickly while simultaneously building the account. This way I can pay cash for some of my supplies and not need to use credit for all.
I’ve enjoyed reading your column. You know your finances and give great advice.
Happy Thanksgiving
Cynthia
Hi Cynthia,
You are doing exactly what I would do. You’ve come up with a system to get what you need, hold on to your money a little longer, and then pay off the debt as “real” money comes in. That is a great way to be in business and be “debt-free.” Every plan needs a system, and every system needs a plan that works.
Sharman
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