At the beginning of every year, many of us create New Year’s resolutions. We think about what we did or didn’t accomplish last year. And create new hopes and dreams for the coming year.

Unfortunately, not everyone knows the difference between a resolution and a goal. And few people understand how to set goals and achieve them successfully. According to the Statistic Brain Research Institute, only 9.2% of all people ever feel that they are successful in achieving their New Year’s resolution. And 42% give up after the first month.

But there is a way. If you’re looking to save money this year, or achieve some level of self improvement, like so many of us are. We can turn those resolutions into goals and achieve them successfully. Here is how to do it.

What Is a Goal (And What Isn’t)?

A goal can be a lot of different things. But what a goal is not is a dream, or a hope. I dream…

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