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“2015! This is the year that I create and keep my financial goals. This is the year I save a percentage of everything I earn. This is the year that I get out of debt. This is the year that I cut up my credit cards. This is the year that I cook more and go out to eat less. This is the year that I follow my game plan towards financial freedom. This is the year…”

Remember how thrilling that was? We created charts and shared our goals enthusiastically with whoever would listen. We downloaded our software and skipped off to the office supply store for all of our files and labels to get organized. Where is that bag of colorful file folders anyway? The thrill is gone.

It is still early in the year and there is absolutely nothing you can do about the time that has passed by. Making yourself wrong and offering yourself up on the altar of financial misfits is not useful. At the end of the day we can only start where we are right now.

Let’s divide and conquer.

Step back and assess the area of your financial world that needs the most attention. Start with the area where the consequences can impact you the most.

Behind in your taxes?

Give yourself a deadline to either complete them or pay someone to do them. Uncle Sam is not your real Uncle. The IRS has a long reach. You don’t want to feel those fingers in your bank account.

Overwhelmed with credit card debt?

You may not want to look at that statement but reality is the beginning of any solution. If you have credit cards with debt, roll them onto cards that have zero interest rates if possible. Credit not strong enough for that? Pay off the cards with highest interest rates first. Make a plan. Double up on payments on that card until it is paid off. The minimum payment is a pitfall. It is designed to keep you in debt. You will never get out of credit card debt paying the minimum payment. I know you know all of this already.

This is just a friendly reminder that you can do this. You can reach your financial goals one step at a time. Encourage yourself as you make progress. Be your friend. You can do it with a plan and a structure that includes celebrating along the way. This is a game worth playing and a game you can win.

Now that would be thrilling.

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About The Author

Lynell Green's picture

Lynell Green is an Entrepreneur and business professional with over 25 years of business and real estate experience. After graduating from the University of Hawaii with a degree in Accounting, Lynell was part of the Audit team at Coopers & Lybrand and went on to take various financial positions in the entertainment sector. She has been involved in numerous entrepreneurial endeavors including owning Bread of Life Christian Bookstore, JC Enterprises and numerous real estate ventures.  She graduated from USC’s Ross Minority Real Estate Program where she found her passion for land use and how it impacts the lives of people.  She is the President of the Lynell Real Estate Group where the mission is to build, restore and sell real estate to create financial freedom for investors and improve the quality of life in the communities she works in.  She also teaches courses to improve financial literacy and to encourage people to pursue their dreams as a means to financial independence.

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