When most people set New Year’s Resolutions, we are not very smart about them. We aim for the big-ticket items. The kind that gets us pumped up, emotional and excited.  But often, they fail us when moods, temperatures, and finances are down.  As the ‘newness’ of the New Year wears off, so does the excitement and commitment to the resolution.

I wrote before the New Year, that New Year’s Resolutions need a facelift.  To expand, this facelift can only be achieved by employing the S.M.A.R.T approach.