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!