So, it’s a new year. Happy New Year to all of you. I won’t go on about New Years Resolutions. I am sure you have heard it all already. I am however, going to start the New Year with new phrase.

I learned this phrase watching The Suze Orman Show. As dramatic and humorous as she is, she does have a great way of telling it like it is. Not only is her financial advice helpful, there are so many ways you can easily translate her advice into other areas of life. I have quoted her before when she said “Say NO out of love, instead of YES out of fear.” Applying this concept with my clients when we work together is extremely helpful. Well now Suze Orman has provided me with another one. “Face it to erase it.”

It’s not as easy as it may seem. In fact, as I sit here now watching the show, Suze is hounding a guest on her current debt of 230,000, her mortgage of 900,000, her monthly expenses of 15,000 and her income of 9000 per month. From the outside looking in it seems crazy right?! Well Susie never got through to her guest. She was advised by Suze and others to sell her home, sell her cars and start over by renting a two bedroom apartment. Of course, this was not acceptable and the guest admitted bluntly that she would never take such steps to be financially free. In other words, she wasn’t facing it to erase it.

What will it take for you to see you have a serious problem with your finances or even your clutter? Because, as you know, you can’t erase it until you face it. So before you make those New Year Resolutions, think about it in depth. Are you truly willing to CHANGE?