October is now upon us. That means brisk weather, falling leaves and the holidays are fast approaching. Are you on track to reach your personal goals? I know those New Year's resolutions may have become an afterthought, but you still have time. Now is a good chance to evaluate your year to this point financially, while still keeping the remaining three months in focus. It may be difficult to think so far ahead while you are facing so much in the present but it must be done. Time waits for no man and failing to plan is planning to fail.