Get Financially Fit in 2014

Get Financially Fit in 2014

Get Financially Fit in 2014


Wow! The holidays are over and now you are faced with the consequences of your spending. How many times have you made financial resolutions, saying that next year will be different? Imagine next year, having the money set aside for gifts, holiday, and emergencies.


Are you up to it? Do you want financial security? It’s not easy but you can do it. The first thing you need to do do is set goals and stick to them!


When setting your goals there is a few things you need to keep in mind:


  1. The goals have to be very specific. As an example you can’t say “I want to go on a trip next year. You need to say “I need to save $4,000 for a trip next year.”

  • You must be able to track or measure how your doing with each goal. As in above goal you would need to set aside ($4,000/12 months = $333.33/per month).

  • Your goal must be reasonable! Your goal should be small enough to achieve in one year.

  • Your goal should excite and motivate you. If it depresses you rewrite it in such a way that you change the way you look at it. So if in one year you can only pay off $3,000 of a $6,000 credit bill instead of saying to yourself “I can only pay off 1/2 the debt this year. Say instead “In two years I will be debt free!”

  • On shorter goals you should not give yourself a year but instead set a reasonable time limit and get it out of the way

  1. Work backwards- take all your goals and work them into simple actionable steps. Similar to saving for the trip money above. If one of your goals is to clean out all your closets and you have 12 closets set a time line of one closet per month on a certain date.

  2. Time – set aside a few hours to spend on your annual success plan. I like to do mine on New Years day.

  3. Identify obstacles. As an example if you can’t go into a certain store without making an impulse purchase, then maybe you can avoid shopping in that store. If you have a tendency when you go to the grocery store to buy too many items, then make a list and stick to it or maybe your husband/wife/partner could do the grocery shopping.

  4. Find help – try finding a partner that could be a support system. Maybe they want to lose weight, work on finances or other goals and could use your support as you morning will well. Having an accountability partner often adds some fun and helps us accomplish more.(I do this with my business plan.

  5. Stay positive – remember the journey of a 1,000 miles begins with just one step!


Here’s to making 2014 your best year ever!!


For more in depth ideas for setting goals check out my blog for defining your goals.

Lisa Ashton, is a Certified Financial Planner, Money Coach, Mortgage Agent, and Life Insurance Agent. She is passionate about educating and inspiring clients to have the life they want with the money they’ve got. You can reach her at or check out more of her work at












5 Responses to “Get Financially Fit in 2014”

  1. Kirsten Says:

    Hi Lisa,
    My word for 2014 is saving. I will set a specific goal. Thanks for sharing these tips they are helpful

  2. Lisa Says:

    Hi Kristen,
    Good for you! I am planning to write more blogs on the subject as I believe that people need support for what they want to do. Just remember that it is baby steps but the important thing is taking the first step. Pay attention to how you feel when you do spend more than you planned. It may be that there is a trigger or need. When we understand our why we can change the behavior.

  3. Stella Says:

    Hi there! I simply wish to give an enormous thumbs up for the great information you’ve here on this post. I will be coming again to your weblog soon.

  4. Lisa Says:

    Thanks Stella.

  5. Lisa Says:

    That’s great! I am glad you enjoyed my post.