With 2011 coming to a close, we are all shifting our focus to 2012 and asking what we can do to improve. Whether you want to call them resolutions, goals, or anything else, we all want to make next year even better than this year.

Since nobody is here to talk about eating healthy or fitness regimens; what is your financial resolution and how are you going to do it? Max out your IRA/401k? Build up your savings? Start day trading? Learn about options or something new? Buy a home? Cut back on your morning latte?

No matter how big or small, as long as it is a step in the right direction you will be glad you did it.

Also, if you have any tips to help others on their goals, feel free to chime in.

I guess I’ll start. Mine is to replenish my savings account. Having a few months salary in the bank can be a lifesaver and offers piece of mind, especially in a turbulent economy. Even if that level is unattainable, something is better than nothing.

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