Barbara O'Neill, Ph.D., CFP®
Extension Specialist in Financial Resource Management
Rutgers Cooperative Extension
The publication of the second edition of the Small Steps to Health and Wealth workbook is a good time to revisit the basic premise of this program. Small daily behavior changes in health and personal finance practices can have a major positive impact on the quality of people's lives. So what's stopping you from becoming healthy and wealthy? What are the major obstacles that keep getting in your way? For many people, it's one or more of the following items: denial, environmental influences, fear, lack of specific goals, negative thought patterns, not knowing where to get started, and other people (e.g., family and friends).
Once you identify your obstacles to positive behavior change, make plans to overcome them. For example, request information about your company retirement savings plan and set a specific savings goal (e.g., invest $100 per month in 401(k) plan). Not sure where to begin? Consider these strategies for improving your finances from the Small Steps to Health and Wealth? workbook.
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