This is a secret to get more money and time: Automate + Unautomate + Reautomate. What do I mean by that? Automate the good stuffs so they keep going, unautomate the bad stuffs so they don’t keep coming, reautomate so you know you're on a good track.

There are a lot of talks around getting out of debt on TV and around the blogosphere (think Dave Ramsey and Man vs Debt). And you hear and read those people on the shows in the comments that they feel so wonderful after paying off their debt, or that they feel stuck because they are not making much progress. In either case, seems like having a debt is a bad thing. So, why is debt your biggest enemy in personal finance? Because it limits your options.

My first guest post about goal setting just got posted on Diary 4 Life, a very active and popular personal development blog. The title is "5 Ways to Set Goals that Really Matter". Hang out there and feel free leave your thoughts and suggestions. I hope you will enjoy reading it as much as I did writing it!