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Episode Info: The last few days of December were filled with food, family, friends and most notable....spending! We had Christmas celebrations, Hannakuh and even Kwanzaa celebrations. Then less than a week after that we had New Year's Eve and New Year's Day celebrations. Some of us even had College Football Parties. Celebrations are in order, but if the truth be told many of us spent more money celebrating than we could afford to. We bought gifts; we bought food; we bought entertainment; we bought pictures with Santa; we bought Santa's outfit; we bought Christmas Trees and lights and the whole shabang! The over spending of 2014 and the under saving thereof inspired many of us to resolve in 2015 to spend less and save more. Fast forward to today. The year 2015 is nine days old and many of us have already failed to start diligently working on our resolutions. We have not made any changes to our spending habits and neither have we found ways to increase our income. If we continue as we are, we will continue to be on the same paycheck to paycheck survival mode that we have grown accustomed to. I know you have heard this 1,000 times but here is 1,001. Insanity is doing the same thing over and over and expecting a different result. It is time to take action! Yes you heard me action. Let's define the word resolution. According to Websters New World College Dictionary, a resolution is a resolving, or determining; deciding; the thing determined upon; decision as to future action; resolve. The same reference dictionary defines resolve as to change or transform. It is time for you to change! Change your thinking. Change your habits. Change your behavior. Change your spending habits. Change your income streams. Take Action. Albert Einstein “The same thinking that has led you to where you are is not going to lead you to where you want to go.” I encourage you to take your first action and go back and listen to the first several podcasts. It will not take you long. They are short and sweet and hard to beat. I also encourage you to do something I did. Write out your financial goals for 2015 and post them somewhere that you can see every morning.  If you are a woman, you may also want to put them in your purse so that every time you reach in there to pull out money to spend, you see your goals and they remind you not to be so careless with spending. Fellas, you may want to stick them in your wallet. A good resource to use for your 2015 Financial Goals is the goal designin
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