The very first thing that you should do now is to take inventory as to where you are at with respect to your "goals".  Ahhh, "goals" you say?  Everyone has goals or has attempted to write them done at some point in time, but do you follow them?  Are you on track? Are you challenging yourself?

Writing them down is one thing, but following them and hold yourself accountable is another.

Let's make this really, really simple for you!

Make a list right now of your goals - let's face it, typically, goals are tied to some type of financial position. 

Here are your steps:

1. Go ahead and make that "goal" list!
2. Be  very specific !  (i.e., pay  Capital One credit card off by  July 2008)
3. Prepare a real budget.  I know...just do it, you will be very happy you did. Please see the Budget Here page for more information.
4. Ground your emotions and do NOT throw your arms in the air thinking you are way too far under water. You CAN overcome these obstacles.
5. Develop a system of reminders.  In fact, if you don't already have one, open a Gmail account and use the "calendar" to help keep you on track.  It's so simple, enable it to either send you a daily e-mail or pop up on your screen alerting you to a specific goal task. (i.e., don't forget to pay $25 to XXXX)
6. Determine where your financial situation is weak. Address this first.
7. Do you have too much credit card debt?  Go to the Debt Settlement page NOW.
8. Is your debt manageable but, perhaps your credit needs improvement?  Go to the Credit Repair page NOW.
9. Are you facing foreclosure? Late on your mortgage payment? Go to the Foreclosure page NOW.
10. Perhaps you simply need more income?  See the Extra Income page NOW.