If you made New Year’s resolutions stick to them. As we get farther into 2009, and New Year’s Eve becomes nothing more than a fond memory, it’s more and more likely that we will let our resolutions slip. Remember that your resolutions stemmed from needs or problems you identified at the end of 2008. The only way to avoid those problems in the coming year is to be more disciplined this year and work toward positive change.

If you have been living true to your New Year’s resolutions, assess your progress on a regular basis. In this way you’ll be able to celebrate your successes and have a history to look back on and learn from.

In measuring your progress, it’s also important to evaluate the effectiveness of your resolutions. In making a plan and designing resolutions, it’s nearly impossible to foresee everything that may come up in the future. As your implementing the plan, be mindful of whether the plan is actually helping you accomplish your goals and don’t be afraid to modify as needed. While we at 22Dollars.com always say that “no plan is a plan to fail” it seems that a bad plan is even worse. As a result, make informed decisions about changes that need to be made to your resolutions so that your efforts are not futile.

Here’s to a prosperous year ahead and best of luck for a fortunate financial future!