There are many things we would like to do to get our financials in shape, so this goal may seem a bit daunting at first. With a long “to-do” list, vague resolutions and good intentions won’t do it. We have to have a plan. That is why I have divided up this long “to-do” list and created a 12-month guideline that is easy, manageable and achievable. It isn’t hard to get overwhelmed by all there is to do, but by taking each financial target one month at a time, you are well on your way to becoming financially fit.
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