By Jen Wead BE FEARLESS
New Year’s Resolutions? Nah!
II am not a big believer in New Year’s Resolutions for myself.
Some people knock it out of the park, but just like dieting,
as soon as I drastically change or deprive myself of something,
it is the only thing I think about. That is just the way my
brain works, so I choose to gradually adopt better choices and
behaviors without depriving myself of anything. I also don’t
like to fail and I seem to always fail at resolutions. Instead, I
make a list of my goals for the year, short term and long. This
mini goals are the steps that I need to take to achieve this.
According to a recent Fidelity survey, 40% of Americans
do not have enough saved to handle a $400 emergency. The
Federal Reserve has reported that the average American
household carries $137,063 in debt. Those are some weighty
In order to achieve my goal this year, I need to spend less,
I need to learn where I am spending. Tracking my expenses
gives me the knowledge that I need to crack my code. Cutting
back on mindless, unnecessary spending will be key to saving
more. The plan is to build up my account, by diverting my
spending to savings.
January, for me will be about assessing the damage and
planning to repair for a better future. Next month will be
tracking my expenses for a month. I will share my results and
next goal with you in our next Be Fearless Column, but in
the meantime, what goals do you have for yourself for 2019?
How will you achieve them? Join me in tracking your expens-
are making educated decisions and realistic goals. Until then,
Happy New Year, and go out there and Be Fearless!
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