We're terrible at saving unless it's done automatically for us, such as my husband's 401(k). So I'm hoping that we can set up a 529 and have automatic payments made to it. In addition, we need to start a "house or bigger place" fund. Little steps would add up over time.
I agree that breaking long term goals up into smaller ones can be very useful. I usually do not do resolutions but like you I think I have some goals I want to achieve for 2011.
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