Well it's that time of year again. Time to make your New Year's resolutions and get things back on track. January is as good a month as any to get started on a more disciplined and fulfilling path. Getting physically and fiscally fit both require similar approaches. You need a plan and the mental discipline to stick to it. And your mental fitness is affected by your physical state which can directly impact your financial well being. When it all works together it can feel almost effortless – but you have to start somewhere. You will not go from couch potato to tri-athlete or financial disaster area to financially comfortable overnight.