Many people make their “New Year’s” resolution – give up smoking, loss weight, visit parents more often, save $$.  And just as many break their resolve within the first 2 months.  I’ve given up making “New Year’s” resolutions.  Why must there be just that one day in a year for this?  Any time of the year, I say!  So, what better time to revive our fallen “New Year’s” resolution than April 1 – All Fools’ Day??  I like that.

So, let’s have a few Financial Resolutions laid out for the rest of this year – try to do all or pick one.

  1.  Live by a BUDGET:  I used to hate budgets.  But I see the wisdom in it.  It helps me see where and how I’m spending my money.
  2. SAVE, SAVE and SAVE again:  We always say we can’t afford to save.  Then I read this book – The Richest Man in Babylon.  Simple reading – 2 hours.  I learned the 10% rule – yes, save 10% of my GROSS income.  That’s right – the gross.  Before paying the car note, before paying the rent.  Phew, it was tough in the first 2 or 3 months – I had to learn to live lean.  But, you know what?  I soon got used to my new lifestyle and stopped feeling the pinch of saving that 10% each month.
  3. GOAL:  Set a goal for your savings.  What will you do with the money you’ve saved?  This makes it easier to save.  After a while, it’s actually very nice to see the savings goal grow.
  4. PAY DOWN debts – and pay ON TIME.  This will help you get higher credit scores.

And, if your GOAL is to purchase a home, give me a call at 671-688-6989 or email me at


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