January is the time of year when we make resolutions and set goals that we hope to achieve. As you think about your goals for 2019, consider some financial areas where you would like to see improvement, and take steps to make progress. For example, you most likely plan to retire one day, so consider increasing the amount you defer to your retirement plan. A small increase each year can yield large benefits over a number of years. Maybe you hope to send a child or grandchild to college one day. If so, make the goal to save an amount each month to combat the rising cost of education. If you seek areas where you can free up cash flow for the savings goals, the odds are you will find some. It could be skipping a trip to Starbucks each week or taking lunch to work a couple of days per week. Whatever your goals are, take concrete steps to achieve them—even if the steps seem small. It will make all the difference.