What is your goal, and is it realistic? When setting goals make sure the are attainable, otherwise you will fill defeated and possibly abandoned your planning and goals.
Credit Cards- Pay them off as soon as possible and only use them if you can pay off the balance each month, The high interest rates on credit cards are a vicious cycle and if it builds too fast can be difficult to get out from under.
Consolidate and automate your financial plan tracking- We use a system called Emoney that helps consolidate all of your assets and liabilities in one place that will help you truly see your plan working for you.
Once one goal is “accomplished” keep the planning going, set another goal keep the planning going, there’s always room to improve.
Meet at least annually to review your plan with your advisor to stay focused. The financial landscape is always changing so there may be new ways to implement your plan.