As I sit here on the last Sunday of 2007, I’m watching a great football game. Yep, I like football. I can’t watch game after game after game, but I do enjoy watching this sport. I’m very excited about the New Year’s Day games! Family, friends, food and lots of whoo-hoooing.

So, what does football have in common with finances? A plan. As I watch this game, Chargers vs. Raiders, it’s obvious to me that every single play is carefully planned, carefully rehearsed and well thought out. Nothing seems to happen by chance in football. Sometimes, of course, things don’t happen exactly the way it was supposed to, but all the practices, rehearsing and memorizing of plays will pay off on the field.

The same goes for your financial state. If you plan, have a strategy, and have goals written down on paper, your chance of success is far greater than if you just ‘wing it’. Spend some time in the next week and put down, on paper, what it is you want to accomplish financially and how you plan to achieve that. Will you seek help? Will you cut down on the unnecessary spending? What needs to change? Are you committed to that change?

OK, it’s the second quarter and the game is tied. Time to enjoy the rest of the game.

Happy New Year and remember to plan!

Patti