Thoughts of the New Year conjure with it many bright lights in colorful splendor, dazzling the night, signaling new life, new hope, a new beginning. It is family, treats, and loud, raucous laughter. And thoughts of abundance, great abundance, to come.

Here are some words from the experts on how to set up your financial goals and clean up your financial house:

Turn Desires to Gold

At the beginning of Bob Proctor’s program Six Minutes to Success, he discusses about the six ways in Napoleon Hill’s book Think and Grow Rich of how to turn mere desires into realities.

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Maria of Coelho’s Eleven Minutes realized a great truth as she was looking at the floral clock: She looked around her. People were walking alone, heads down, hurrying off to work, to school, to the employment agency, to Rue de Berne, telling themselves: “I can wait a little longer. I have a dream, but there’s no need to realize it today, besides, I need to earn some money.” She understood that it was all a question of selling her time, like everyone else. Doing things she didn’t want to do, like everyone else. Putting up with horrible people, like everyone else. Handing over her precious body and her precious soul in the name of a future that never arrived, like everyone else. Saying that she still didn’t have enough, like everyone else. Waiting just a little bit longer, like everyone else. Waiting so that she could earn just a little bit more, postponing the realization of her dreams.

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But some important lessons were learned. One, do not go into business that you do not understand (selling). Two, do not leave the selling to other people and think you can just sit there, oceans away, and make lots and lots of money. Sometimes it works, most of the time it does not. Three, do your due diligence. Find out about the business, does it sell, can you get the goods for less (I did not really haggle that time), how long before you make the first installment, can you get a discount for bulk, are there existing flyers to help you promote the business, how many months before you get the ROI (return on investment), what is the possibility that it would fail and is it surmountable. Four, have a marketing plan – launch, joining trade fairs, email marketing, providing incentives or discounts, testimonials, product review – that would span months, or years.

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