Tip #2: You need to make sure that your plan includes concrete actions you are going to take in order to reach your financial goals. Turn "spend less money eating out" into "I'll bring lunch with me to work each day, and eat out no more than once a week." One of the most common reasons we fail to reach our goals and stick to our plans is that we don't translate what we want to accomplish into real, everyday behavior. "Cut down on my clothing expenses" needs to become "spend no more than $____ on clothes each month," or you'll never succeed in making real change.
For more information please visit http://heidigranthalvorson.com/ and follow the author on Facebook and Twitter