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About Jon Dulin

Hi, my name is Jon and I run Penny Thots. I blog about many personal finance topics, but my specialties lie in investing, paying off debt, and achieving your financial goals. You can learn more about me on the Author Page.

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  1. AvatarCrystal says

    January 10, 2014 at 11:48 am

    I’ve also had success with starting slow and taking things one at a time. If I can stick with a change for 3-4 weeks, it becomes a habit and I don’t have to think about it or struggle with it anymore. Then I can move on the the next thing. I’ve quit making resolutions, however, and choose a few goals instead. And I agree 100% – just start when the mood strikes instead of waiting until Jan 1st.