New Years Debt Resolutions新来的债务决议

New Years Resolutions for 20022002年新决议
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

I didn't realize how much I was going to learn, personally, when I asked you all for your New Year's resolutions.哪知多少我正想学习,个人当我问各位新年决议. I thank you for giving me so much to think about this year.我谢谢你给我这么多想一想. I will be adding many of your resolutions to my own.我将加入许多你自己解决.

First off, 84% of us are making New Year's resolutions, but only 28% say they usually follow through.其一是,大家都在84%元旦决议,只有28%说他们通常贯彻. I know myself that if I set out to accomplish a goal and run into a few obstacles that there is a chance I may throw in the towel.我知道自己,如果我完成了规定的目标和遇到的障碍,几个有机会我可能丢了毛巾.

When this happens, when challenges arise and you seem to stop working toward your goal just remember that it's not over.这时当你遇到挑战停止朝着你的目标似乎只记得这不是结束. You haven't failed.你没有失败. You can only fail if you quit!你只能看你不干!

If you find that you've stopped pursuing your goal--don't give up!如果你觉得你停止你的追求目标--不好而放弃! Simply start right back like you've never stopped.您想马上回干脆没有停止过. Every step you take toward your goal gets you closer.你走你的每一步走向目标引经据典密切.

The Chinese Tao Ta Ching says, "People fail when they are on the verge of success. A tree as big around as a person's embrace begins with a small shoot; a terrace nine stories high begins with a pile of earth; a journey of a thousand miles starts under one's feet therefore, put as much care into the end as into the beginning and there will be no failure."中国陶社庆说,"当人们看它们正濒临成功.大一棵树周围为一个人的怀抱,始于一个小芽;高顿故事开始了九个一堆土;一千里一开始下的脚,把更多的关怀转化为年初和年底不会失败."

When I wanted to stop smoking my goal was to go as long as I could without having the next cigarette--not to quit.当我想停止吸烟,我的目标是,只要我还可以再不用在下卷烟--不是戒烟. So far it's been six years.到目前为止,这是六年.

There were other times that I though that I quit.时报说,虽然我有其他我戒烟. I once went nearly one year without having a cigarette, but then one day I caved and had one.我就曾有将近一年没有一支香烟,但后来有一天我一个内角. After that I figured that since I had one it's over, and I went right back to smoking.之后我想出了一个我自认为它的过去,我去右回吸烟.

Before my last cigarette six years ago I started to slow down by seeing how long I could go without smoking and not beating myself up when I did smoke.六年前我上香烟,然后我就开始放慢了多久,我还可以看到无吸烟、不打自己,因为我没有烟.

If I was able to not smoke for five hours then I was successful because it was a few cigarettes less that day and I was moving toward my goal.如果我能够不吸烟5小时那么我成功了,那是因为数较少香烟那天我走向我的目标. Instead of getting upset about the one cigarette that I had when I felt weak, I focused on the success from the hundreds I had not smoked.与其把一个香烟不高兴当我说我感到软弱我着重从数以百计的成功我没有烟.

It took two years before I stopped thinking about smoking every single day!历时两年,在我每一天停止吸烟思考! Finally, I can say "no" to smoking without feeling like I'm missing it, but that doesn't mean I've quit.最后,我可以说"不"无吸烟感觉像我失踪了,但不代表我戒烟. I can never let my guard down, I must always work on this goal.我决不让我的看守下,我要永远工作目标.

It's the same with your debt.它同阁下债务. You can always start paying on time, getting organized, and find the best credit deals.你可以随时启动按时缴纳,越来越有组织,并找到最佳信用交易. Just start today and you will find success!今天刚刚开始,你会发现成功!

The resolutions everyone submitted seem to fit into different categories.决议提出,似乎人人放入不同的类别. Each of the resolutions discussed below is a grouping of many submitted by DebtSmart Readers.每一个分组讨论如下决议提交debtsmart许多读者.

FINANCIAL RESOLUTIONS (My personal favorite.)金融决议(我个人的最爱).

Resolution: "Equip my children to be frugal and conscientious."决议说:"让我的孩子能俭朴、良心"

Comments: This is on my list also.评论:这是我名单还. I need to get my kids interested in learning about money, understanding its value, and teach them how to track income and spending.我要我的孩子得到的钱大约有兴趣学习,了解其价值,并教导他们如何跟踪收入和支出.