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How to Get Fiscally Fit in 2014

New Year's Resolutions. "We've all tried them and failed immediately,"Brandon Simmons said.
New years resolutions.

"We've all tried them and failed immediately,"Brandon Simmons said.

So what can make this year different? Preparation. Especially when it comes to general resolutions with financial planning, Like saving more, spending less or getting out of debt.

"They're too generic, they don't have a time frame or any achievable steps,"

Simmons, Founder and CEO of Integrity Capital Wealth Management in Rogers helps keep his clients on track with specific goals following these guidelines"

They must be specific, measurable, attainable, relevant and time-bound.

"So instead of save more, I would say, I am going to increase my 401k contribution by 3 percent by January 15th. So we put a tangible step, the date, we put a time line on it, we put an amount and that's something that I can do," he said.

If you're looking to spend less try using just cash for a month or, perform a little plastic surgery and cut up your credit cards.

"It's very powerful when you hand 40 dollars over for groceries you feel like that money is going out of your hand and you will spend less."

If you're tackling a tower of debt, try focusing on paying off the smallest one first.

Completing one will help give you the drive to pay off more.

But if you still struggle to start, try using a finance professional.

"You can go through detailed budgeting and kind of sort out these plans and these organizations and get your financial world organized."

An organized world, for a fiscally fit 2014.

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