The fourth quarter of the year began yesterday.  You still have 91 days left to accomplish your goals for the year!

What do you want to be different about your life when 2010 begins?  What steps do you need to take to make that vision a reality?  What first step can you take today?  How can you incorporate additional steps into your plans for the months ahead? 

Spend some time this weekend thinking about these questions and developing your plan.

For example, if you want to save more money, you can plan lunches you can carry from home all next week.  Or you can sign up to have a certain amount withheld from each paycheck.  You can call the cable company to cut back on your service by one level.  You can turn the thermostat down and put on a sweater. 

If you want to entertain more often, pick a date and invite a few friends over.  Commit to something small and larger opportunities will arise.

If you want to be more organized, start keeping a calendar or create a daily routine schedule to post in your kitchen.