Every year in January we set out our plans for the year. We have goals and milestones we want to achieve. Each one of these goals can be in different areas, but most of them are either in weight loss, career, and money. I want to focus on the last one. Your money goals. January 1st we are bursting with motivation. Motivation that we hope will keep us going until our goals are accomplished. When we get to this time of the year we tend to look at the fact that there are only a few months left. With that realization we start to think back to those goals we made on January 1st and when we look back sometimes we don't like what we see. Maybe the goal was to save $2000 this year and you only have

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