Every new year, a lot of us reflect on the successes and drawbacks of the past year and what our resolutions for the upcoming year will be.  For my list, I like to include both short-term and long-term goals.  The short-term goals are easily achievable within the span of one year and ensure that I will accomplish something.  For example, a short-term goal might be to cut living expenses by 10 percent, to save another three months of expenses in the emergency fund, or to increase net worth by 15 percent.  The long-term goals are more of a work-in-progress, such as starting and growing your own business.  Being an entrepreneur is a years-long process, of which I am at the initial stage.  Coming up with viable business ideas that you are passionate about may take the entire year or more.  Now I am not saying that one should procrastinate over these long-term goals.  But as long as you are working actively and deliberately towards your goal, you should not feel frustrated when January 1, 2009, rolls around, and you feel that you haven’t gotten as close as you have towards achieving what you wanted.  You are already ahead of the game.