3 steps to reshape your finances in 2013

Mood of the Market

Resolutions have a bad rap, in my humble opinion. I set them every year, but I don't call them that, per se. I just look like a business plan for my whole entire life, one I reboot every year, just like you would a business plan. This gives me a framework around which to think, plan and act on my dreams and goals in every area of my life. My success rate is good -- I hit something like 75 percent of the targets I set every year, and many of the targets I don't hit are goals I reset or change as the year unfolds.Given that a recent study found about 88 percent of resolution setters fail, I speak as an armchair authority when I say that I have resolution setting down to a science. But it's fair to say that whether you achieve what you want to in the coming year will be driven largely by how you are thinking about your goal, resolution or dream, and how systematic and thorough you are in setting yourself up for success. What I've observed is that most people who set resolutions...