Article: How to get your life together in 1994. (maintaining New Year's resolutions)

FOR most of us, New Year's resolutions have a way of fizzling out almost as soon as we utter them. It's not that we're not committed to making changes in our fives, it's just that we don't know how to get started or how to keep going once we do.

At the stroke of midnight on New Year's Eve, we resolve to et in shape, spend more time with loved ones, get our career in gear or spend less and save more money. But after a few weeks into the new year, those plans seem to disappear.

To avoid feelings of guilt and failure that often come with broken resolutions, we asked leading experts in personal finance, career counseling, relationships and physical fitness ...

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