Did you make any New Year’s resolutions this year? If so, how are they working out for you? I ask because today marks the beginning of the second half of 2010, and the vast majority of people have long since broken their resolutions.
To be honest, I’ve never been a big fan of New Year’s resolutions. Since they’re often overly-ambitious and ill-defined, most resolutions are doomed from the start. At the same time, New Year’s resolutions also offer a convenient excuse for deferring action until later.
After all, the year is already halfway done. Why change now when you can just wait until 2011 and make a clean start? Right? Wrong.
Today I’m issuing you a challenge. Whether you want to get out of credit card debt, pay off your mortgage early, start saving for retirement, lose ten pounds, start running, etc… Set aside your excuses and take a concrete step toward satisfying at least one of your goals this week.
Simple steps include listing your debts and prioritizing which you want to pay off first, setting up an additional auto-payment toward your mortgage, surfing over to Vanguard or Fidelity to fill out an account application, skipping that second helping at dinner, or completing the first (and very easy) workout in the Couch-to-5k running program.
Whatever it is that you want to achieve, it won’t happen unless you take that first step. Enough excuses. Just make it happen.