Hey, it's Terry Sebel Foy, your cheerleader of dreams. You know, for years and years,

my husband Roddy and I would always say that we were going to save money. In fact,

every January 1st, that would be the second New Year's goal on my list. First was always to get

closer to God. Second was to save money. Well, year after

year, I would never check that one off. Basically, we were no better off from one year to the next.

We were exactly the same. Well, it's heartbreaking to me to look back and think that if we had just

saved $20 a week, that's over $1,000 a year. What if we'd done that

consistently for 10 years? That's $10,000 that we would have accumulated from just skipping a

fast taco lunch every week. Well, to me, it's nuts to think about, but no, we stayed the same year after year just wishing we could save money someday.

Well, I remember actually hearing about a tribe in Asia who would yell curses at their enemies.

And the worst thing they could think of to yell was, may you stay in one place for the rest of your life? That was a curse. Well, I lived under

that curse for too many years because nothing changed, nothing improved, nothing got better.

Finally, I began to learn how to properly set goals. Oh, and real quick, that's your free download

this week. It's my goal setting crash course, and I'll explain later how to access that.

But anyway, back when I was learning how to set goals the right way, it wasn't enough to just say

save money.

I had to get specific about how much money.

I had to make it measurable.

I had to give it a deadline.

And then I had to think of specific

action steps that I could realistically take to achieve the goal. So I remember, I set a goal to save

$5,000 by December 31st. Well, I broke it apart into months. Okay, I need to save $420 each month.

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