At year’s end we often find ourselves faced with good intentions that just never happened. Something we wanted to do, but never got around to it. The Illinois CPA Society suggests it’s not too late. Make the financial move you planned on making in 2010 your New Year’s resolution for 2011. Check this short list from the Society for things you might want to do in the year ahead:

• Find a way to save. Could you take the $50 you just spent on that sweater and save it instead? Cut back on downloads or dining out? Look at what you spent this year for ideas.
• Set a reachable goal. Whether it’s getting out of debt or buying a home, plan to accomplish something with your money in 2011. Put away a small amount each month towards your goal.
• Start a rainy day fund. Prepare for a layoff or health emergency by working towards having three to six months worth of living expenses socked away.
• Make a will. Not pleasant to think about, but you want to make things easier on your family and protect your assets. State rules may apply if you don’t have a will. And who would have custody of your children?
• Check your credit report. You’ve been meaning to check it, but perhaps afraid to look. Use it as a starting point to get your credit in good shape. Go to www.annualcreditreport.com for a free report.
• Take steps toward retirement. Begin to contribute to your 401K plan at work – at least enough to get the match if one’s available. If you’re already contributing, consider an increase of 1 or 2 percent.

SOURCE Illinois CPA Society

I knew that you almost found some your neighbors, might be some your friends or could be you, always spend much money on the weekend. They did like just come and go all day long, driving around and shopping out to where they could find what they want which sometime only blank bag out of their car. Not satisfied, they hang out again most for the next Friday and Saturday evening at premium time, running around and burn their money for getting the latest and greatest of everything.

They seem to feel like they’re missing out on something if they’re not at the hip restaurants, the latest movies, or the newest shopping mall. They did not only time for Christmas shopping but goes on all weekend. Do you think it’s wrong what they did?

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