2. Start your household budget (I can send you a great easy-to-use template)
3. Save for the present and invest for the future
4. Protect your income and your family
5. Set goals that really mean something to you
2013 is the year to take action to make a difference. No more procrastination; no more excuses. Just start. Others will help and support you but it needs you to kick it off. Don’t just make it a new year resolution. Doing that simply puts a 12-month use-by date on it. Make it a life change. Get emotional about it and get friends and family involved. Go do it for your own sake. How good is the feeling of achievement and self satisfaction.