It is almost the end of January, the first month in an already eventful 2010. Haiti just was devastated by the worst earthquake in almost 200 years. Toyota just put a hold on selling almost all of their new cars which will undoubtedly cost thousands of employees some pain. But does this mean that 2010 is doomed already? No. You can’t think like that. Perhaps 2010 just wanted to get some bad stuff out of it’s system because it’s ready to move forward, more forward than the previous couple of years.

Apply this to your financial situation too. So maybe you are still knee-deep in debt. That doesn’t mean you won’t ever get out. As long as you are doing your part, saving what you can, and putting the pedal to the metal so to speak – there is a light at the end of the tunnel.

Though it doesn’t just come magically because the calender turned a new year. You have to work towards it. And even then there can be some setbacks. Such is life. But like everyone else you have to rebuild what you lost, work towards making it better this time around, and sticking to your belief that you can get through the worst and then some.

If getting out of debt this year is your #1 goal, then you are in the right place. Read up and keep your chin up. It will happen with a step forward every day. Happy New Year!