Time to tweak 2013 money goals?

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It has been more than three months since the beginning of the new year, when many of us set “new” financial goals. Although some of us are well on our way to achieving these goals, others have fallen short.

If you are on the wrong track, redefining your financial goals can help you to victory.

Redefine your financial goals

Whether your goal is to get out of debt, boost your savings or invest more, this is a great time to redefine such financial goals. List each goal on paper. This simple technique has been a great success in my own life. I usually jot down my goals and post the list where I can see it daily to serve as a constant reminder of what I am trying to achieve.

Redefine your plan

Having financial goals is great, but having a plan to get there is better. At this point, you should understand what works and what does not. Experience is the best teacher. Identify what has stopped you from reaching your goals and begin to make changes.

Think hard and long about this. Has frivolous spending prevented you from saving? Does the shopping mall cause you to go over budget? Or what about a night with friends? Whatever it is, identify your weaknesses and develop a plan to overcome each one. In addition, list steps required to reach these financial goals.

Redefine your actions, mindset

Sometimes, a new mindset helps us achieve new things. This may mean leaving some of your old bad habits in the past. Simply put, do things differently and take a holistic approach. Surround yourself with people who are good stewards of their money. If credit cards have been your downfall in the previous year, cut them up! Develop a new mindset to accomplish the goals you desire this year.

Remember: your choice, your future!

Kemberley Washington is a certified public accountant and business professor. She writes a personal finance blog at Kemberley.com. Follow her on Twitter and on Facebook.