The victory of success is half won when one gains the habit of setting goals and achieving them.  Even the most tedious chore will become endurable as you parade through each day convinced that every task, no matter how menial or boring, brings you closer to fulfilling your dreams.

- Og Mandino

So far in our Balance Basics series, we have covered 2 of the 3 shampoo cycle questions. Today, we ask the third: Where do you want to be? Yesterday, we looked at our balance sheet and decided where the positives and negatives were. Now we need to decide what changes are needed. Using your balance sheet evaluation, set some goals for yourself. Obviously, finding ways to reduce debt and spending, or increase income  and savings would be common goals for just about everyone. Your goals, however, should relate to the specifics of your unique situation. [...]

Read on and enjoy … 5 Goal Setting Guidelines