January is over. Gone. Done.
How'd it go for you? Did you accomplish anything financially? Did you go backwards? You need to evaluate your progress towards your financial goals today. Take time to assess your progress. If you failed to set goals, then you failed. If you failed to reach your January goal, then you failed. If you fail to set a goal for February, then you fail. Stop failing, and starting progressing. You start by setting a goal for February, and then you start trying to win weeks. By win weeks, I mean make wise financial decisions for an entire week. These decisions should lead you towards your February goal.
This is how I think: you need to win three weeks to win a month. You need to win two months to win a quarter. And you need to win three quarters to win the year.
What are your goals for February? Do you want to have saved another $500? Do you want to pay off $1,000 more debt? Do you want to ask your boss for a raise? Whatever it is that you decide, write it down and get to work.