Spend your money thoughtfully

Here are some helpful guidelines for evaluating and prioritizing how you spend your money, a good exercize for annual review.

Many people think about personal finance as an unemotional, detached pursuit, but it's really nothing of the sort. Money is a means to an end, and what you do with it is all about feelings and values. My wish for 2008 is that the luxuries we choose will fill our lives with warmth and that we will get the precious things that we yearn and work for.