Happy New Year! It is 2019! This is a great time to get realistic about your New Year's resolutions and your personal finances! If money, e.g., saving money, making money or some other money topic is something you would like to focus on this year, now is the time. The new year is a great time to revisit your budget, start to pay off debt, or be realistic about your personal finances and personal financial goals.
The best tip or trick to making and keeping New Year's resolutions is by choosing resolutions that you can actually keep. If, for example, your aim is to lose weight, or exercise more frequently, schedule three or four days a week at the gym or to workout at home instead of seven. If you would like to eat healthier, try replacing something that is decadent with something else you enjoy, but can help you reach your weight goals, instead of seeing your diet as a difficult thing, but rather something that you will feel good about.
Change One Behavior
Bad behavior and bad habits develop over time. So, you have to be realistic that replacing bad behaviors with good behavior can also take time. Instead of choosing huge, unrealistic lofty goals, start with just one thing and make that change.
Talk Or Write About It
Feel free to share your goal or experiences with family and friends, try to choose to talk to people that will be encouraging. You can also write about it, in a journal, or even in the notes on your phone. Having someone or even something to share your struggles and successes with makes your journey easier.
Don’t Beat Yourself Up
Talk to yourself the way you would talk to your best friend. Don't beat yourself up, be encouraging, you're doing your best. Remember you might actually fall, or even fail along your journey. Understand that changes, resolutions and success do not happen overnight. Again, they take time. Don’t give up completely because you ate a piece of cake, missed a workout, and broke your diet, or went out to dinner, bought something extra at Target, or spent money on something you shouldn't have. You will have ups and downs, so try to recover form your mistakes and get back on track.
Ask For Help
Asking for help can be one of the most difficult things for people to do; but accepting help from those who care about you can help you manage stress caused by your resolution. If you feel like you can't meet your goals, talk to someone about it. If your goal is personal finance related, feel free to explore Be Secure Financially in more detail, Ask Izzy or review the various personal fiance Coaching Packages. This is a great way to get expert personal finance insight and help you achieve your personal finance goals!