It's the end of the year, which means it's time to set goals for the new year. I love setting goals each year, and even though I rarely execute my new perfect plan exactly the way I want to, I do end up better off than I was the year before. It is important to remember that any progress towards the goals is better than floundering without a plan. If you take the time to create an actionable plan you will be able to improve your situation. You may end up in a better position than you even thought was possible.
Your finances affect every part of your life. They affect how much free time you have to work on achieving your dreams. Your finances will also affect how much money you have available to spend on reaching the new goals that you are setting. When you are debt free with a good size emergency fund, you will be able to take the risks you need to in order to reach your dreams. Take the time now to make lasting changes to your finances so you can do the things you want to in the future.