where's my money, dude (3) prologue epilogue

Getting into better financial is a lot of people's top New Year’s resolution. Sadly, most of these resolutions don’t . Wonder what the problem is? It's pretty simple, actually. Most people set their sights too high. When we make resolutions we tend to go for cure-alls—sudden changes that are expected to fix problems that may have been for years. That said, there’s no time like New Years to get about making changes. Keep in mind though that small ones are all you need at first. Get your toes wet, see how it goes, then get down to .

Here's the bad news. Besides the problem itself, you'll find yourself dealing with mountains of bad habits that allowed it to happen. But don't throw in the just yet. Even though you can’t fix your finances instantly (just like you can't go on a diet after years of ignoring your weight) you can—and should—take small steps that will improve your gradually and over a long period of time.

WHY IT’S EVEN EASIER THAN IT LOOKS: Each step you take, no matter how small it may seem by itself—improves your big . The money that you save by cutting expenses can be used to pay down debt; by paying down debt you’re up income to put into savings. The smart way to go about this is by taking one small step at a . That way, you won't get disappointed when you don't see any results within weeks or months.

This approach really has a lot for it. For one thing, over time the small changes become habits. You'll start to behave more responsibly without even realizing it. The more good habits you pick up and with, the easier it will be to keep your finances under control. Ten years down the , you'll look back and wonder how you could have been so irresponsible and how little it actually took to yourself out of that hole.