Yup, it’s that time of year again

After the holiday eating and shopping orgies, many of us start to think about our behaviors. We resolve to make changes in the coming New Year. We promise ourselves we will do things lik

  1. eat more healthy food
  2. exercise more  and
  3.  get our financial act together.

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I admire women and men who make these resolutions. They  know there are problems They even know what the problems are. And they know how to fix them. They start to eat better, exercise more and maybe even pull out a piece of paper, or go online to start to develop a budget.

But most do not stick to this discipline.

Well, they are human, after all. They, like me, yield to the temptations of dessert, if not the other pressures of daily life. They are imperfect like me and maybe you.

What’s a human to do?

Hire someone. Get a professional to guide you and keep you ON TRACK. That professional nutritionist, trainer or financial advisor has the knowledge and experience to start you off right. S/he will explain the basics and then help you implement them–by telling to you focus on your core and/or your bottom line.

You are more likely to take her/his advice and become more disciplined. S/he will give you easy steps to take. And since you feel accountable to someone besides your (sweetly imperfectly human) self, you are more likely to stay ON TRACK and achieve some of the goals you have set for yourself during the next year.

Try it. You will be glad you did


But, if you need a little nudge, here’s  a stimulus. It is a free quiz developed by a University. (Yes it is from New Jersey, imperfect at it is. Those of us from N.J.–like Jon Stewart and me– really do have something to offer.)

So click on this link to take the absolutely FREE quiz. Then re-read this post and see if it is time to call a professional and really make a change for the better.