We are facing a new secular year.  We all have a tendency to make New Year’s resolution that we keep for a couple of weeks – and then we fall into back into our comfort zone.   How determined are we to actually to get out of our comfort zone and make a difference to our life?  Throughout our lives we do make major changes,  usually for the better,  yet there are some changes we know following through on would truly improve our lives.  Maybe to lose those kilos that the doctor is nagging us to do so about, so that our cholesterol and sugar glucose levels will go down.

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For those of you who do not budget , the new year is the ideal time to make just one resolution:  that is you want to make your money efficient.  Budgeting is the most wonderful word in the dictionary – the dictionary definition of a budget is an estimate, often itemized, of expected income and expense for a given period in the near future.  Translated, that means you know exactly how much you can spend on each clause of your household expenditure. This is a wonderful opportunity to leave your comfort zone, get rid of your overdraft and achieve your dream of financial stability.

Some very easy tips how to achieve your financial goals and keep to them.  At the beginning of every New Year where it be Rosh Hashana or the secular year, I write down my financial and personal goals, I actually like to put it in an envelope and seal it and then open it the following year.  I am always surprised to see that 90% of the goals I wrote down are achieved.  Why is writing so important? Since writing down goals transfers them from a vision into reality.  Also it focuses on where you are heading.  If you do not know where you are heading financially, the chances are that you will get nowhere and if you are heading to nowhere means that you are terribly lost in the financial jungle.

Another goal to add to your new year’s resolution is to make ends meet and be able to save.  This is easily achieved, since it has no correlation to the level of your income, but to one factor only and that is your mindset. This is achieved by building a budget and sticking to it.  The Union of Family Financial Advisors has many success stories of people of took control of the finances and became financial stable through this method.

Write down your long and short term financial goals, put them in an envelope and next year see if you achieved them. Please write to me next year with the results.  If you want some help in mapping them out please contact me for a free telephone consultation at 054-4217207 or email me at suzy.kahati@gmail.com

Download my FREE booklet on HOW TO SAVE MONEY IN ISRAEL http://suzykahati.com/l/