What are your New Years Resolutions? 新年新希望

"All change in life begins with a decision. Change is the only constant in life and will not change until you have decided to change, a decision. Have a vision of your life. Otherwise, you will go back to your old way." quoted by A.R. Bernard

New Years Resolutions - Spend More Time with Family & Friends? Fit in Fitness? Quit Smoking? Enjoy Life More? Quit Drinking? Learn Something New? Improve relationship with your boss and colleagues? Get Out of Debt?
Tips on Setting Goals
~ Express goals as positive statement
~ Set goals that are realistic and attainable
~ Distinguish between short and long-term goals
~ WRITE DOWN your goals
~ Be specific - set time frames or a target date
To develop a budget, here are some tips:
~ Determine your monthly income
~ List your fixed monthly expenses, i.e. car insurance payment, mortgages, car loan payment, tuition, child care, transportation, housing,
~ List your variable expenses, variable expenses change from month to month i.e. food, birthday gifts, medical expenses, donations,
entertainment, education
~ Compare your income with your expenses
Ask yourself: INCOME > EXPENSES ??? or INCOME < EXPENSES ???
~ Alwasys keep an emergency fund