Here's an easy way to motivate yourself to commit to big changes in 2013: Focus on your future self. Research by Hal Hershfield, assistant professor of marketing at New York University's Stern School of Business, has found that showing people aged photos of themselves makes them more likely to put money away for later. You can get in touch with your future self by writing a letter or even downloading an aging app, such as AgingBooth, for a sense of what you'll look like in 30 years. Spending more time with your grandparents can also help.
When you're brainstorming for your big money goals for the year, try to focus on specific steps, instead of big, overwhelming dreams. For example, if you want to build financial security, goals might include spending less on food or developing a second stream of income. BJ Fogg, director of Stanford's Persuasive Technology Lab, suggests breaking big goals into small baby steps.
Here's to a prosperous 2013!