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It’s been about 5 years since I ran – and okay, now I jog – further than three or four miles. It’s time for that to change. With that in mind, my daughter and I have committed to run a half-marathon…, S is for Specific, The usual problem: The intent of “get out of debt” is good, but it’s certainly not specific. Are you really talking about your mortgage, car loans, student loans and credit cards or just one part or…, M is for Measurable, The usual problem: While oft-overlooked, this one should be fairly easy for financial goals. Obviously, you can’t measure what you haven’t defined. However, with step 1 done, you’ve now got a clear…, A is for Attainable, The usual problem: Letting your enthusiasm overtake your realism.  Is the general notion to get out of debt attainable? For most folks I know, it is, but typically, not right away. Don’t put your…, R is for Relevant, The usual problem: Incorrect focus. Why did you get in debt? Maybe it wasn’t a one-off medical situation or an isolated bad decision, but rather habitual overspending or living beyond your means. If…, T is for Time Bound, The usual problem: No specific time frame.  If you’re like me, you work better with a deadline and guess what, your goals do too! I know exactly when my daughter and I will be poised at the starting…

Three tips for shopping smarter this holiday season.