Setting a goal is easier said than done. Every year millions of Americans set New Year's resolutions, but how many people actually follow through? There are reasons why goals often slip through our hands. Here is a four step guide to help you follow through:

Step 1: Set Positive Goals

According to The Truth about Money by Ric Edelman, setting uplifting goals is the best way to narrow your focus. For example, having a goal of 'I will save to buy a new home' is positive, but 'I will not spend money' is negative. It is a matter of 'I can' and 'I can't'.

Step 2: Go on a Date!

Well, don't exactly go on a date, but at least set one. Setting a date for achieving your goal solidifies your decision to get something done. Edelman says, 'We have so many things to do in our lives, only those with deadlines ever get accomplished.' But hey, that date shouldn't be set in stone. Global Information provider About.com says, your date might be totally unrealistic, but you don't realize that until after you start. By dating, your subconscious can determine the amount of energy required.

Step 3: Pin it to the Cork Board

Write down your goals, and paste them somewhere you can't avoid, like the bathroom mirror or next to the television or on the inside of your front door. A constant reminder will help you to keep focused on what you really want.

Step 4: Focus on Winning!

Write down your obstacles, and how to overcome them. About.com recommends being as specific as possible. Write down exactly what is stopping you, and how you are going to break down those walls. Then, focus on the benefits you'll gain. If If you can't see the benefits, you won't be able to achieve or sustain your goal. The key here is to keep your goal in front of you, remember why you want it, and destroy all barriers.

For more information on setting, planning, and achieving your goals, visit www.About.com.

The author, Eddie Daroza, is a personal investor and stock market junkie. Besides contributing content to efinancedirectory, he works on the financial news show Rob Black and Your Money, broadcast daily on San Francisco's KRON 4. Eddie is also a reporter for PBS' Update News.