How often have you made a New Year's resolution and never achieved it? How many times did you start out full of determination and willingness to exert effort to succeed, but somehow lost the momentum three weeks later?

This year, before making a declaration, take time to examine the "reason why" you are considering it. Is it to correct something you think is wrong or is it to fulfill a dream-come-true? The key to success lies in the "motive" for making the resolution in the first place. Goals that are established to carry out your aspirations are more likely to be accomplished and those that try to fix something hardly ever work.

Maybe you’ve heard how a life coach can help you achieve your goals. Or you might know someone who has used a life coach to help them through troubled times. It’s great there are life coaches to help those who need it, but you’re NOT one of them. You are HAPPY with the way things are.

Here are a Few of the Many Advantages of NOT Hiring a Life Coach-

• You can AVOID doing something about your problems, thinking day after day, “Tomorrow will be better.” Lately, I think most people who have money issues are doing this.