Get ready for 2024 with our first episode of the year! Join Doug Hoyes as he gives a straightforward take on New Year's resolutions, highlighting the need for a practical plan and figuring out what really matters to you. He talks about why arbitrary resolutions may not work and gives advice on making changes that actually stick. Doug shares easy steps to cut debt, handle expenses, and boost income, offering practical tips to make your financial journey in 2024 a success. Don't wait – hit play now and make this your best financial year yet!

Related Links: 

How are habits formed: Modelling habit formation in the real world, European Journal of Social Psychology, Phillipa Lally 

https://onlinelibrary.wiley.com/doi/abs/10.1002/ejsp.674

Getting Out Of Debt Requires A System, Not Just A Goal 

https://youtu.be/ysvkV0uN7mM?si=tcUHlcE7gWVzdAK9 

https://www.hoyes.com/blog/getting-out-of-debt-requires-a-system-not-just-a-goal/ 

Debt Management Plan 

https://www.hoyes.com/debt-relief/debt-management-plan/ 

Build a Get Out of Debt Repayment Plan 

https://www.hoyes.com/debt-relief/get-out-of-debt/