Here's a topic for discussion: do you make New Year's resolutions each year or do you think they are a waste of time?
I'll be interested to hear your responses.
Personally, I'm a big resolution maker. I break my resolutions down by subject (like "family", "finances", etc.) and make commitments that are both daily (i.e. "workout") as well as bigger-picture (i.e. "take three trips with family this year").
I then track them all via a spreadsheet each day and hold myself accountable to accomplish a vast majority of them (I actually have a point system that scores my efforts and I need to be above a certain goal to be "successful" for the year. Yes, I'm a resolution geek/nerd.)
I credit setting resolutions with helping me achieve financial independence. It's those day-by-day goals I've worked on for years and years (decades really) that have added up and created a large enough net worth for me to retire in my early 50's. Without them, there's no way I would be as far along as I am today.
How about you? Resolutions or not?