We talk a lot about staying in the present. Live in the now! Take each day as it comes.  Not so when it comes to your finances. You absolutely have to plan ahead to succeed. Financial experts say start every year with the end of it in mind.  Set daily, weekly and monthly goals aimed to improve your finances. Not that you want to fast forward to December, if you decide now where you want to be financially by the end of the year, then you have 12 months to get there!