Below is courtesy of Dave Ramsey. (And if you're looking for a really good book to get you even MORE motivated, get a copy of The Total Money Makeover!)
Think back to December 2007. Doesn’t seem very long ago, does it?
Well, now we’re finished with 2008. We’re all making the new year’s resolutions that will last to mid-January—lose 20 pounds, get out of debt or maybe even read a book. Statistics show that most of us will quit before we get anywhere close to those objectives.
This year, set a goal to not quit!
If you had stuck with the goals you made last year, then you would already be done. Wow! Last year went by quickly, and so will this year, so don’t let the time get away from you. The sooner you make something part of your routine, the less you’ll notice that you’re doing it, and the quicker you’ll be finished.
Don’t make a goal and then look at it as something you have to do. That’s the wrong attitude. Soon you’ll come to resent doing the thing that is supposed to make you better. Remember that every time you pay off a debt, get on the treadmill, or do something else productive, you become stronger and get closer to your target.
Think about when you graduated from college. You were used to going to bed at midnight or later. But now that you have a job, you need to get up earlier. So you start going to bed at 10 or even 9:30 p.m. You didn’t like it at first, and it took some adjusting. But now you’ve done it so much that you don’t even notice. It’s part of your routine.
Getting out of debt, losing weight, or anything else is the same way. Do it for a while, and it goes from being difficult to being a bother to just another thing. By the time beating debt becomes just another thing, you are reaping the rewards from it, which makes the process fun. And when it’s fun, the year passes quickly.
Whatever your financial goals are for 2009, we have resources to help you. Go and seize the year with full force!
16 hours ago