How Did You Do It? Tell Us Your Financial Planning Success Stories

ResolutionsThe start of a new year is a traditional moment for turning over a new leaf. Whether your personal goal is eating better, getting in shape, or putting your financial house in order, a fresh calendar feels like an opportunity to start on the road to self-improvement. But real change doesn't come easy and, just as Jan. 1 is the customary time to start trying to turn things around, the end of the month is the customary time for giving up and going back to the status quo.

With that in mind, we're asking you -- our DailyFinance readers -- to tell us your best financial planning stories. Whether your struggle involved getting out of debt, paying for college, selling your house, or changing your financial life in some other way, we're betting that you have a money tale to tell, a tip that helped you turning your fiscal life around, or a secret strategy for squaring your accounts.

So if you've got a suggestion to pass on or a method for making financial self-improvement last beyond Groundhog Day, let us in on the secret! Either tell us your story in the comments section below, or send your suggestion to We'll publish some of the best stories in the upcoming weeks. In the meantime, good luck with your resolutions.

Bruce Watson is a senior features writer for DailyFinance. You can reach him by e-mail at, or follow him on Twitter at @bruce1971.

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January 14 2012 at 1:39 AM Report abuse rate up rate down Reply

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January 14 2012 at 1:37 AM Report abuse rate up rate down Reply

Watch for stocks that have tanked, but you know the co. isn't going away, I bought Ford, 12,480 shares @ $3.00 and sold it @ $17. Was waiting for $20 but it hit $19 and started down from there. Must watch these stocks very closly as they can take a nose dive just because some know it all in the market makes a comment about it. And most of the time its just their opinion and they have lots of them.

January 13 2012 at 9:55 AM Report abuse rate up rate down Reply

The key to success is to subscribe to the b.o. plan for financial security, become a 7th generation handout recipient, get free rent,free cell phones, free food, free medicaid and everything else you can possibly get paid for and let the middle and upper class support you and your boundless amount of children.

January 13 2012 at 8:49 AM Report abuse -1 rate up rate down Reply
Frank Singam

Achieving financial security is no rocket science. Essentially it involves living within one's means at all times, no matter what your age, and protecting yourself always from finanacia linstabilities. It also means never having to live on handouts - there are no free lunches. Start the financial education and awareness early, as in imbibing in our young good values and virtues at a early age. Stop the 'live up to the Jones's' syndrome. And when you start working, protect yourself first - save up to six months in event you get laid off and insure yourself medically ; then you can think of the 'others'.And as soon as you start working, start your retirement planning; and review this every year as circumstances always change - marriage, kids, home ownership, medical calamities, financial instabilities, job instabilities etc. etc.

January 12 2012 at 10:05 PM Report abuse rate up rate down Reply

work HARD live BELOW your means. Economies will always change, good or bad, hard work always pays off. Handouts only make people lazy and dependent. America is AWESOME!!! always has been and always will be.

January 12 2012 at 5:00 PM Report abuse +1 rate up rate down Reply
Ed Perkins

My key to success is basicaly doing nothing much different than what I have been doing over the last four decades. Just stick with diversified group of mutual funds and hang on through thick and thin. Having recently passed age 70 I have moved about one-third of my portfolio into various fixed income funds. But I don't anticipate changing that allocation until I reach 85. Just have a little faith that the capitalist system with rebound and survive.

January 12 2012 at 4:15 PM Report abuse +1 rate up rate down Reply

What ever Obama and the rest of the Marxists posing as socialist democrats say, do the exact opposite and hang with those opposite to them and you will be just fine. Instead of 'occupying' success try doing what it takes to get there instead. Stay very. very far away from those that think working hard at developing the character attributes required for all success, including those required for financial independence, is evil and to be hated. Be a maker and not a taker. Be one who makes things happen and not one who watches things happen and certainly do not be one who is so occupied they wonder what the heck happened .

January 12 2012 at 1:25 PM Report abuse +2 rate up rate down Reply

Ditch the high cost mutual funds in IRA's and 401k's as soon as you can. Convert to high dividend indiviual stocks as you go. Buy small amounts monthly for dollar cost averaging. Do not chase the current trends, buy companies in it for the long run. With over 80 high quality companies paying me money every month, it is the easiest money I ever made. Start young, invest $300 per month, invest no more than $1000 in each company to start and you will be happy the rest of your life. I started 40 years too late, but am still doing great.

January 12 2012 at 1:16 PM Report abuse rate up rate down Reply

Its been a great past few years on how a "retiree" can go from well financed to really financially depressed, with being squeezed from all sides---no interest on investments and higher prices on everything.

January 12 2012 at 10:01 AM Report abuse rate up rate down Reply