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How important is money to you? Whether you want to pay off your debts or build up some savings, take a moment to consider if it's really money that means so much to you. When you understand what's really behind why you want something, you're less likely to give up when the going gets tough.
Get out of debt: Freedom. You don't owe anything to anyone.
Contribute to your 401k or IRA: Security. You'll always have enough money, even if you can't work anymore.
Build an emergency fund: Peace of mind. No matter what life throws at you, you've got the money to deal with it.
Save for college: Opportunity. Your kids will have the choice to do what they really want to do when they grow up.
Buy a home: Stability. No more moving, you're finally going to put down some roots so you know where you're going to be next year and maybe even in 30 years.
Lower your expenses and spending: Fulfillment. Quit the job you hate and do what you love even if it pays less, because you can afford it.
If you want to change your finances for the better this year, figure out why it's important to you first and you just might make it happen.
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