HAPPY NEW YEAR!
Many people set resolutions on New Year’s Eve. Very few actually achieve them. Which is unfortunate, as many people would be better off and much happier if they’d achieved their goals. If you’ve got some ideas for great New Year’s resolutions, but fear you won’t be able to keep them, you need these 10 tips to help you stick to your New Year’s resolutions:
1. Be Realistic
A major reason most people don’t achieve their New Year’s resolutions is because they’re not realistic. If you want to stick to your New Year’s resolutions, you need to pick things that are truly able to be achieved in one year. Smaller, more specific goals are more achievable.
2. Have a Plan
You can’t achieve much of anything without a plan. If you try to accomplish a goal but don’t have a plan to guide you, you can wind up wasting a lot of time, energy, and even money. When deciding on your resolutions, map out exactly how you plan to achieve them.
3. Prepare for Possible Failures
Life is hardly ever perfect and things rarely work out exactly as you planned. So expect to encounter a few setbacks on the way to achieving your resolutions. Better yet, write down what negative things could possibly happen, so you can plan for and (hopefully) avoid them.
4. Tell Friends and Family
If you really want to stick to your New Year’s resolutions, tell other people about them. It’s easier to give up if you’re the only one who knows about them!
5. Track Your Progress
For some goals, it’s easy to see your progress. But for slower ones, you’ll be better off keeping careful track of your progress. For example, if you want to become a better artist, keep a box full of your old drawings. That way, when you get discouraged you can look back and see how far you’ve come!
6. Have Reward Checkpoints
A great way to keep yourself motivated to keep working on your resolutions is to reward yourself along the way. Pick distinct points on the paths to achieving your goals, and if you reach those points give yourself a nice reward.
7. Move Past Failure
Even if you try to prepare for failures, it’s likely they may still happen. Try not to get discouraged. Remember why you started working toward these goals in the first place, and stick to your New Year’s resolutions!
8. Start Slow
An easy way to give up on a resolution early in the year is to push yourself too hard. If your goal is to eat healthier, don’t start eating only salads as of Jan. 1. You’ll quickly feel deprived and give up on your goal. Instead, try to reduce one bad food a month. By the time you get to the end of the year, you’ll be eating healthier, and your journey to that point will have been easier.
9. Think Positively
You can easily psych yourself out of achieving your New Year’s resolutions. Try not to focus on how hard your goal is, or how you don’t like what you have to do to achieve it. Instead, think positively and focus on how happy you’ll be when your goal is achieved!
10. Get Help If Necessary
If you need help achieving your New Year’s resolutions, ask for it. Depending on what your resolutions are, you can ask a friend for help, ask people on an online forum, or sign up for a class.
Have you made your New Year’s resolution yet? Do you usually stick to them? Let us know in the comments section below?
2017 is less than a week away. And, it can be the year when you achieve your financial goals. All you need is a good budget. If you don’t have a budget, make one. If you already have one, but it hasn’t been working so well, revise it. To help you, here are 10 tips to help get your budget ready for the new year:
1. Decide your Financial Goals for the New Year
It’s hard to get your budget ready for the new year if you don’t know what you want to achieve. Do you want to pay down debt? Save money? Stop spending more than you earn? Decide on your financial goals and set up your budget to help you achieve them!
2. Analyze Your Current Budget
If you already have a budget, that’s great! Take a look at your budget and see where it’s not working, then make adjustments. For example, maybe you underestimated a certain expense category.
3. Use an Actual Budgeting System
There are many different ways to budget. Some people can just work with a list that shows income vs. expenses. But you’ll likely be more successful if you use an actual budgeting system, whether it’s a paper worksheet, Quicken, You Need a Budget (YNAB), or another similar program/system.
4. Adjust Your Budget to Be More Realistic
When you get your budget ready for the new year, ensure that it’s actually realistic. If you read that someone is able to feed a family of 4 on $50 a week, but you usually spend $150 a week, don’t set up a budget with only $200 a month set aside for food. Be realistic. You can always adjust your budget later.
5. Prepare for Emergency Expenses
Life is full of unexpected moments. Most are easier if you have extra money set aside and ready to use. This year, make sure your budget includes setting money aside in an emergency fund.
6. Prepare for Expenses You Know are Coming Up
Your budget isn’t very good if it ignores big expenses that you know are coming up. If you know the car will need tires, budget for it now. It’ll need to be paid for whether you plan for it or not, so make things easier for yourself and prepare for it early.
7. Leave Some Money for Fun
If you want to make a really good budget, leave a little extra money every month for fun. If you don’t feel deprived of some fun little expenses, you’ll be more likely to stick to your budget overall.
8. Leave Some Money for Charity
Don’t forget to set aside money for charity when you get your budget ready for the new year! You’ll feel bad if you have to say no to your favorite charity because you spent all your extra money on extraneous things for yourself. So save yourself those guilty feelings and budget money for charity right from the start.
9. Put Extra Money Toward Debt
If you’re in debt, this year work on making more than just the minimum payments. Use your budget to find areas to cut costs. Then put that excess money toward your debt to help pay it down faster.
10. Discuss Your Budget with Your Family
It’s no good creating a budget all by yourself if other people are involved with bringing money in and spending it. When you get your budget ready for the new year, make sure to include your family’s input. Make sure everyone is in agreement with how money is going to be allocated in the new year.
Do you have your budget ready for the new year? Let me know in the comments section below.
Disclosure: Affiliate links used.