3 steps to reshape your finances in 2013

Mood of the Market

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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.