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Savvy Resolution: Get Savvy in 2008

I don't know about you, but New Year's Resolutions have always been sort of a turn off for me. My aversion probably stems back to the fact that they were forced during grade school, and even at times in high school (write your resolutions in Spanish, for example). I've been off the resolution train for some time now, but am getting back on in 2008.

In the spirit of getting organized, we've crafted a handy Resolution Worksheet for you to keep track of all your financial goals for the new year.

Some of the goals like retirement savings are totally universal, while some of you may have specific career goals that you can jot down in the free space. As you accomplish the goals, you can check them off your list, which I think is one of life's little pleasures. I'll be checking in with you in a month to see how you're doing with your resolutions and feel free to share any of your goals in your comments below!

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Toveracre Toveracre 8 years
great idea ty!
Toveracre Toveracre 8 years
great idea ty!
gigi123 gigi123 8 years
This is a great idea that young adults should use/learn as well.
tiff_saint01 tiff_saint01 8 years
This is a great list. My main goal this year is to get my Bachelor's degree and budget more. But this list TRULY helps out!
fashionhore fashionhore 8 years
So I have a question for anyone who has tried this or has noticed a difference on their electric bill. Are energy-efficient light bulbs really that much better? I have about half of the light bulbs in my house as the ee ones, only because I am not so sure about the actual benefits. Can somebody please eplain!
fashionhore fashionhore 8 years
So I have a question for anyone who has tried this or has noticed a difference on their electric bill. Are energy-efficient light bulbs really that much better? I have about half of the light bulbs in my house as the ee ones, only because I am not so sure about the actual benefits. Can somebody please eplain!
Angelica Angelica 8 years
Time for me to get organized!
Angelica Angelica 8 years
Time for me to get organized!
rosey rosey 8 years
What a great list! Some of them don't apply to me yet, but a few of them are things I really need to work on, thanks so much!
emilyjkay emilyjkay 8 years
Just FYI usually 401K programs also allow a limited withdrawl with no penalties for first time home buyers! That's what I did.
gillianok gillianok 8 years
I'm a list-maker - so this is perfect!
beingtazim beingtazim 8 years
great check-list, thank you!
beingtazim beingtazim 8 years
great check-list, thank you!
rlveronica rlveronica 8 years
Fabulous! :)
bectemp bectemp 8 years
I resolve to stop and smell the roses...
penelope829 penelope829 8 years
I do agree that you should take advantage of any match your employer offers on the 401k, but maxing out might be a bit much. You should open a Roth as soon as you're able; however, I would not advise anyone to borrow against their Roth. You can find relatively generous interest rates on some savings accounts (not as high, perhaps, as an ROI from a Roth, but Rome wasn't built in a day) if you know where to look. I tell people all the time that retirement is about the long haul. It can be hard to think about it that way when you need liquidity, but a well-researched savings account might help with those needs.
penelope829 penelope829 8 years
I do agree that you should take advantage of any match your employer offers on the 401k, but maxing out might be a bit much. You should open a Roth as soon as you're able; however, I would not advise anyone to borrow against their Roth. You can find relatively generous interest rates on some savings accounts (not as high, perhaps, as an ROI from a Roth, but Rome wasn't built in a day) if you know where to look. I tell people all the time that retirement is about the long haul. It can be hard to think about it that way when you need liquidity, but a well-researched savings account might help with those needs.
cassedy04 cassedy04 8 years
this is a great start! my resolution for the year is to make sure i always have my checkbook balanced. a few extra little resolutions won't hurt though...
rosey_y rosey_y 8 years
Great tips there, thank you!
rosey_y rosey_y 8 years
Great tips there, thank you!
bellanatella bellanatella 8 years
I'll be downloading this.
bellanatella bellanatella 8 years
I'll be downloading this.
bellaressa bellaressa 8 years
Great worksheet, I can't wait for future articles.
emalove emalove 8 years
I'm a list-maker, so I definitely appreciate this!
KristinDaBomb KristinDaBomb 8 years
Thank you for taking the time to make one of these. :)
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