According to the recent Wall Street Journal article Resolved: Spend Less Next Year, people are getting ready to commit to making changes to their financial affairs.


But more seriously this time.

So serious that they are resolving, not simply talking about, the changes.

So — this time — it will really count.

But not until next year. (We’ve got to go holiday shopping first, right?)

Is it me or do financial New Year’s resolutions seem like a total waste of time?  Has anyone had any good results from them lasting beyond, say Valentine’s Day?

Ironically, the delay caused by planning (aka hoping) to do something later can often make it harder to accomplish that very goal in the first place

If you want to do something, do it.

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2 Comments to “Resolve to change your finances but not until January? Please.”

  1. Fiamma says:

    Well said!
    Any resolution is ridiculous if you hold it until New Year’s. Weight loss, investing, it’s stuff you put off for as long as you can then January 1, BAM! now you believe you’re ready.
    You are gracious saying people hold out until Valentine’s Day. I am impressed if people make it out of January holding steadfast to their resolutions

  2. Michael says:

    Thanks, Fiamma! Good thoughts. . .

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