Are January bills getting you down?  Instead of stressing, make a plan to get your finances on track this year.  In my new book “How to Retire Debt Free & Wealthy” there is an entire section on how to eliminate debt and create a CORE financial plan to build future wealth.  Use the Cash Tracker as well as the Finance Trackers to sort out your expenses and track your spending.  Like any change we attempt in life, stay motivated.  Try to create a single-minded resolve to meet your new goals this year.  Remember that money in retirement is the byproduct of a well thought out successful plan.  Keep planning!  Adjust your plan and your goals as you encounter changes in your life, but always keep your eyes on the target.  You’ll get there sooner than you think.