n Budget, budget, budget. You cannot talk about financial goals without talking about the importance of budgeting. The first step in creating a budget is determining what will work for you. Being realistic about expenses and your spending is key. Consider tracking your expenses for two weeks so you can identify areas where you can cut back.
“Expect a challenge when trying to achieve new goals, but don’t give up,” said Marianne Gray D’Aquila, president for CCCS of Greater Fort Worth. “The opportunity to create new resolutions only comes around once a year. Once you have decided what you want to accomplish, be confident. Remember, a little discipline can help you enjoy a happy and prosperous New Year.”
For additional tips on how to achieve your financial goals for 2008 attend MMI’s free Webinar, “New Year’s Resolution: Put your debt on a diet,” Jan. 8 at 9 p.m. EST. Simply visit www.moneymanagement.org and click on “Live Webinars” on the left hand navigation. Webinar attendees will learn how to prioritize financial goals, develop budgets and pay down debt.
About Consumer Credit Counseling Services
Consumer Credit Counseling Services (CCCS) is a non-profit, full-service credit-counseling agency, providing confidential financial guidance, counseling and debt management assistance to consumers since 1958. CCCS helps consumers trim their expenses, develop a spending plan and repay debts. Counseling is available by appointment in branch offices and 24/7 by telephone and Internet. Services are available in English or Spanish. To learn more, call (800) 762-2271 or visit their Web site at www.moneymanagement.org.