In January we talked about a Fidelity survey and the top three financial resolutions. Halfway through the year I thought it would a good time to revisit them and see if maybe we need to do a little tweaking.
Save more - Have you been able to add more to your retirement savings account? Do you have an account? Have you set one up? It's not too late to get this resolution under way with determination. Meet with your HR person or whoever is responsible at work and up your contribution. You don't have to pay for oil in the summer so add more for your future if that was your resolution.
Spend less- Have you cut back on spending? Have you figured out ways to get great value with less spending? Are you employing more creative ways to entertain? Have you stopped using shopping as a hobby so that there is less temptation to spend? If not, it's not too late to get on track if this was your resolution.
Pay off debt - Have you made arrangements to increase credit card payments? Or, have you successfully paid off all debt? If not, do you have a schedule that shows when you will be free of debt? If one of your resolutions was to make such a plan, you can do that today. Don't feel guilty. Act on what you said was important to you. If that is debt repayment, don't add any new debt to your life and redouble your efforts to focus on your goals because it's not speed but tenacity that wins the race.
Marion Syversen, MBA
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