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      Money Talks: How to Make Your Resolutions Last

      Ahh| the New Year| full of hope and promise. It's a great time to make resolutions.

      Make a resolution to exercise more in the new year? Lots of people do... but research shows 4 out of 5 people will break their resolutions, often before February first. Want to have your resolution stick this year? Here are some tips that are going to help.

      First| Plan early. Write down your goal and plan the path to getting there. Next, make your goals realistic and achievable. You're not going to drop 50 pounds in a month, but you could lose 5. Small, achievable goals are better than grandiose goals that never get done.

      And don't forget that positive attitude. You know, change takes time, dedication and sometimes a little heavy lifting. Keeping a positive attitude... that's what's going to take you there.

      Next| Limit your resolutions. Too many goals at once is going to diffuse your focus. So pick one and work at it. And finally, forgive yourself some setbacks. You're going to have a few bumps in the road. But don't get bogged down. Just pick yourself up and move forward.

      Bottom line? Everybody can change. And there's no reason, if you've got a goal that you should wait. Make yourself a goal. It doesn't matter if you haven't succeeded in the past because this time, you will. And if you need more tips, I've got them waiting for you at and do a search for "2013 Resolutions."

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