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44 Ways to Kick-Start Your New Year

Success

Find a mentor. Ask questions of mentors and peers. Cut up credit cards. Who knows, that may be the very thing that you need to break out into a brilliant new future. Srikumar Rao , founder of the Rao Institute and author of Happiness at Work: Be Resilient, Motivated, and Successful—No Matter What. Attend training.

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16 Timeless Truths of Financial Freedom

Success

One day, she meets a barista named Henry who becomes her mentor. The “down” escalator is racking up debt on high-interest rate credit cards , going into debt to buy things you don’t need, taking out payday loans, and borrowing money to invest in things that can go down in value. That’s a recipe for being broke for life.

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106 Thoughts on Overcoming Overwhelm in a Freaked-Out World

Stephanie LH Calahan

For bigger changes, enlist a mentor or professional coach to help you stay on track. When your credit card statement comes in, and after you have paid the bill, place the statement along with your month-end bank statement in the file folder. We all do better with help, so don't try to go it alone!

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