By: Lorillia Brown-Phillips, The Money Mentor, Your Black World
It’s now 2012, and if you’re still procrastinating with making a financial leap, then you don’t want to put it off any longer. Procrastination is never a good thing, and why have your personal finances suffer in the meantime. If you need a financial makeover, it takes a mental commitment; one that will allow you to stay the course until the end of the year. Here is a quick 5 step checklist that can assist you in staying committed to a financial makeover in 2012.
1. Set Realistic Goals – Making a laundry list of all the things you want to change and correct can be intimating, and intimidation can breed failure. Consider taking a four quarter approach when you set your financial goals. For example during the first quarter of 2012, I will only reduce and pay down debt, and second quarter I will rebuild my credit. There are four quarters in a year, and by taking a quarter approach, you’re slaying your financial giants in small pieces, instead of one big unrealistic punch. Read more…
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