I can’t speak for anyone else, but my 2008 resolutions were all fulfilled, save one: learn to play the guitar. And that is one that I’m rolling over to this year, with a rather convenient beginning guitar class — lasting two months — starting in a couple of weeks.

I think it depends on your goals. If you are making vague goals, and merely using intentions, it is harder to stick with them. My four main goals are very achievable: They are quite specific. They are basically a checklist of the most important things I would like to do this year with my personal finances. Once I get them checked off (something I can do by March or April, I think. Well, May or June for saving up for the yard), I can move on to something else. But setting goals at the beginning of the New Year is a way for me to kick-start the year on a positive note.

2. How many of us keep that goal or intention longer then a week after January 1st?

The second is to discover many small ways of creating income. These small efforts all together soon add up.

It’s really a golden rule to not put all your eggs in one basket. A cliche I know, but so true.

I know many years back I had a job and over night my income stopped. With only one way to make money you are very exposed. Todays climate really does highlight that very point.

So our resolution is discover as many small ways to create revenue each year.

May you and your readers create a secure 2009