I always have great plans for getting our finances and investing more organized every year – how about you? You make some progress, but not as much as you wanted to, right? So concentrating on one area of family financial issues a month will get more accomplished – so I am hopeful.

January is traditionally for goals, so what would make your life better if you changed three areas involving money?

Now make each one achievable by deciding how much you need to save, invest or pay off to reach your goal.

Decide how you will do this. Do the first step and continue working toward your goal a little at a time. You can do it!

Adapted from a magazine article by Carla Fried.