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Success Online Financial Education Newsletter


Money Management International Improving Lives Through Financial Education
SUCCESS NewsletterJanuary 3 newsletter
The key to turning resolutions into reality 

Conquering New Year's Resolutions

By Jesse Campbell, Copywriter

SCENE: Local Gym — the first week of January

Our HERO enters, dressed in fetchingly fashionable new workout attire, shiny new gym membership card in hand. Our hero surveys the wall of similarly fashionable men and women occupying every available machine and free weight.


Forget this!

Our hero quickly exits, promising to return at a later time.


Spoiler alert! Our hero never goes back. Meanwhile, the gym is back to normal capacity by March while that membership card collects dust on top of the refrigerator.

Does this scenario sound familiar?

The truth is, according to a study by the University of Scranton, less than 10 percent of resolutions end up making it to the finish line.

So while there are many reasons your past resolutions haven't worked out, there's no reason this year's resolutions have to suffer the same fate. 

Here are three essential tips to making resolutions that stick — every time. Continue reading

You may also enjoy:

New BeginningsYour free financial guide for 2013 

Download our free New Beginnings eBook and learn how to: clear your financial clutter; set realistic financial goals; create a budget you can stick to — and so much more!

Organize Finances

Clearing the financial clutter

Attempting to manage unorganized finances is a little like herding cats: You're left with a pounding headache and more mess than when you began. We teach you how to keep financial files in place using a common household product. 

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Sharpen Your Financial Skills with Online Courses

The goal of our highly trained professionals is to arm you with the knowledge necessary to take control of your financial situation. Our online seminars stress the development of skills that can assure long-term success. Take the first step toward financial wellness by enrolling in a Web seminar today!

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About Money Management International

Money Management International (MMI) is a nonprofit, full-service credit counseling agency, providing confidential financial guidance, financial education, counseling, and debt management assistance to consumers since 1958. MMI helps consumers trim their expenses, develop a spending plan, and repay debts. Counseling is available by appointment in branch offices and 24 hours a day, 7 days a week by telephone and Internet. Services are available in English or Spanish. To learn more, call
866.530.9869 or visit

Five steps to losing weight and debt in 2013

Every New Year, shedding weight and debt is at the top of the list for millions of people resolving to change for the better. Unfortunately, these two are also among the most often broken resolutions.

While experts have offered numerous techniques and strategies for losing weight and paying down debt, the basic fundamental lifestyle change required to be successful at both is the same: Consume less.

Financial stability begins with spending less than you make, followed by paying more on what you owe. Losing weight begins with consuming fewer calories, and becoming more active.

If you are among the millions vowing to finally achieve a healthy waistline and a healthy bottom line, consider the following five steps:

  1. Make the commitment. When considering any major lifestyle adjustment, the first step is to decide if you're ready to do what it takes to improve your health and financial wellbeing.
  2. Create a plan. Creating a budget and a meal plan starts with tracking — tracking expenses and tracking calories. Consider carrying a pocket notebook for noting every penny spent and calorie consumed. Review your results and look for areas where you can cut back.
  3. Develop SMART goals. You must set clear goals that are specific, measurable, achievable, trackable and rewarding. Remember to create short-term, or milestone, goals as well as a target accomplishment. And remember to reward yourself (modestly!) for each milestone you reach!
  4. Eliminate temptation. Once you have a clear calorie and spending budget outlined, remove any obstacles that may hinder your success. Don’t carry your credit cards in your wallet and don’t keep high-calorie sweets in the house. 
  5. Be flexible. Don’t get discouraged if you don’t see the pounds or debt disappear overnight. Real change doesn't happen that way. It's challening and it takes time. But remember, it's overcoming those obstacles that will give you the biggest payout in the end! 

MMI Debt Management Plan Client Corner
Tips for Success

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