5 Tips for Keeping Financial Resolutions

Making New Year's resolutions has become almost cliche, because, let's face it, most of us find it difficult to stay focused on these resolutions through the end of January. Financial goals can be especially difficult to stick with because our spending, saving and investing habits tend to be tied to our emotions more than our logic.

Here are 5 Tips for Keeping Your Financial Resolutions:

1. Form new habits by tying them to current behavior. If you have a regular system for paying bills, make a 'bill' from your retirement plan and pay it (by making a contribution to your IRA) with the others.

2. Put them on autopilot. One of the easiest ways to keep saving and investing goals is to set up automatic deposits or investments. Payroll deduction for 401(k) contributions is a great example you never have possession of the cash, so you don't feel the pain of taking it out of your spending money. Contact your human resources department now about starting or increasing your contributions.

3. Make your resolutions achievable and realistic. Many people make resolutions without much planning or forethought - and fail the same way. If you are serious about your financial resolutions, do some homework, crunch some numbers and put your plan in writing.

4. Break them down into small steps. Trying to keep too many resolutions at once will leave you feeling overwhelmed. Instead of making resolutions for the whole year now, break them down and add one or two each quarter.

5. Work with an accountability partner or coach. Anyone who has tried to implement a weight loss or exercise plan knows that a buddy system increases the odds of success. If you need help sticking to your financial resolutions, we can work with you to create a plan for keeping your resolutions, whether they include college planning for your child or funding your retirement.

Written by Securities America for distribution by Christina Bush, CB Wealth Advisory.

SECURITIES AMERICA COMPLIANCE REVIEW: SAI# 94615
Original Date: 09/21/09 Last Reviewed: 09/21/09

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Securities offered through Cambridge Investment Research, Inc., a Registered Broker/Dealer and Member FINRA.org and SIPC.org; Advisory services offered through Cooper McManus, an SEC Registered Investment Advisory firm; Christina Bush, Investment Advisor Representative. CB Wealth Advisory, Cambridge Investment Research, Inc. and Cooper McManus are separate entities.

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