 Financial experts say sailors who make fiscal goals for 2013 should create a plan now and write down their goals to stay on track throughout the year. The new year is an opportune time for service members and their families to evaluate where they are financially today and to make plans for where they would like to be both in the short and in the long term. Sailors can meet with their command financial specialists to review their fiscal goals and develop a budget. It's important that we stay consistent and develop good habits when it comes to financial planning. Plan now, build your cash reserves, eliminate debt, go see someone, ask for help when you need it. Sailors experiencing financial hardship should notify their chain of command. For the Defense Media Activity, I'm Petty Officer James Stolpec.