New Year’s resolutions.
They’re typically about health, wealth and commitment (to environment, ourselves and to others). Resolutions, too, are often about independence (I will start my own business) and freedom (I will become financially free). And, resolutions are, often, ambitious in style and wide-ranging in scope.
Though admirable the above may be, to my mind (and with one eye firmly on the current climate) there is something to be said for a toned-down, more moderate approach. An approach that, while not mightily glamorous, still manages to address those weighty issues of independence, meaningfulness and freedom.

Important note: If resolutions aren’t your thing (and for most of us—long term—they’re not) then please consider the following a recommendation, or maybe, even, a mantra. One that goes like this…
“I resolve to not get
Any deeper into debt.”
As far as resolutions go, the above, at first glance, may strike you as neither compelling nor romantic. But in my line of work (where I deal, every day, with dollars and cents, debits and credits, assets and liabilities), such an unprovocative promise is as sensible and attainable as they come.
“I resolve to not get
Any deeper into debt.”
In other words, what the above suggests is… Don’t try for the home run. Don’t try for a commitment that—while shimmery with promise on January 1st when the clock strikes midnight—begins to lose its sheen mere days into the new year.
All I’m saying, I suppose is, put away the credit card, turn away from the Do Not Pay for 365 Days extravaganzas, and above all steer away from alluring promises about fast bucks with little effort.
“I resolve to not get any deeper into debt” may sound like a small step—one unworthy of attention—but it is, nonetheless, an important first step. A step that, perhaps due to its simplicity, focuses the mind, jump-starts the progression toward freedom and independence, and brings about bigger accomplishments and more solid gains. For next New Year’s Eve.
Happy New Year everyone!
What about you? What are you hoping to achieve in 2011? Please let me know by leaving a comment.








