Billy Joel suggested a choice of your favorite wine for that special date. That still "might" be a good idea, but read on. 

Daylight savings time has been tagged as a great opportunity to "check the batteries in your smoke alarm." I like it, it works, if you do it enough, one becomes the other, it's an automatic way to remember something important to do that might otherwise slip through a crack.  

So, here's another suggestion.....

This is Russell during one of our recent conversations where I explained we needed to cut back on buying cat treats.....note he's not happy. 

This is Russell during one of our recent conversations where I explained we needed to cut back on buying cat treats.....note he's not happy. 

How about setting a date each year to sit with your spouse, partner, family, or your pet if you were not to have any of the former to sit with, and talk about your "financial goals?" I mean really talk about your financial goals. (Yes, for the record, I do talk to my cat, Russell. (And, he pretends to listen but almost never agrees with me.)

If you can't or won't layout a well defined and professionally crafted plan, at least have an informal one. Even talking about specific goals can set you on the path to making strides at improving those things you've chosen to do better, such as;  

  • eliminating or cutting down credit card debt
  • living within a reasonable budget for Holiday shopping
  • saving more next year
  • getting your estate plan in order (has it really been that long since you last checked what your Will says will happen to the totality of your worldly possessions? Do you even have a Will done?) 
  • increasing your 401k contributions? 
  • figuring out what college is likely to cost

There's a long list of things that we could add, but that's not the point.  

The point is that "planning" starts with the realization that [a] there's stuff to get done and [b] there's usually some logical steps that can be taken to assure at least some progress towards getting those things done, right?  

So, be it Merlot, Chard' or Pinot, get comfortable, pour a glass for you and your significant other and get it going. Don't try to solve all the woes at once, pick one thing, state your intentions and then figure out how to make it happen.  

Where it goes from there is entirely up to you.  

Getting into a fight about it probably isn't recommended. 

So enjoy the process and the wine.