I do know the potential value of goal setting to provide motivation. As the calendar year flips, ushering in January, you may feel the pull to make those New Year resolutions. In the past, if setting these intentions is helpful to restart your next season, then I will cheer you along.

And we’re back to school…and instead of providing you with a list or structural ideas for what to do, I would like to share a challenge that I equally have challenged myself with during the process of writing this blog, as well as a sort of activity that I’ve been contemplating for the weeks leading up to January.

Our finances can be something that sets off a variety of emotions, but one that might surprise you is that of depression. When you are struggling financially it can become a piece of your identity. And then you add on the fact that we don’t normally go around telling people that we’re struggling financially, and you have a setting for allowing sadness, stress and anxiety about your finances to lead you into depression.

Change is hard. It takes dedication, time and consistency to either develop a new habit or ditch an old one. Set yourself up for success by following these foolproof guidelines for setting “resolutions” that you will actually achieve!