Not a fan of New Year's resolutions? They may not work for a lot of us because they are often vague, usually anchored by the desire to start or stop doing something without any concrete plans, says Ed Hawco of the Blork blog. If making rules for yourself only frustrates you—since you end up not keeping them anyway—it may be better and more realistic to write a list of goals for the year.

"Goals, if properly conceived and sincerely desired, come with an action plan," says Hawco. Not only are goals more specific, they also compel you to achieve them especially if you know the means to do so.
If listing your tasks for the day helps you get things done, doing a timeline of your goals may help, too. For example, if you plan to boost your savings, determine by how much you'd like to do this, and then begin this month, now that all holiday splurges are out of the way. Planning to go on a much-deserved vacation? Start eyeing the month as early as now and make sure you've finished major projects at work by then.
It also helps to keep your goals realistic. If you know you'll still be a bit short for that new car, postponing some of your plans and taking baby steps might be wiser, especially if there are other things you should prioritize.
Remember: planning can go a long way, especially if you're determined to make the best out of everything this year. And if you do manage to achieve most (if not all) of your goals for 2009, you'll definitely feel great and more confident to aim higher next time!
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