Making good on that New Year’s resolution is totally doable. Now that the holidays are over and we look forward to the promise of 2015. Let’s make the most of this year!
You can’t reach your goals without a master plan. Make a master plan and split it into small objectives so that you are not overwhelmed. Studies show that if you are overwhelmed with too much, you will not follow through and tasks will not get done.
It’s a complicated world we live in. People everywhere are trying to figure out how to stay balanced. Have you learned to manage the everyday fear and anxiety? It’s not easy, but with a few life tools, you can control many things. Not only can you control your mind, you can also control other areas of your life – mind, body and spirit (and finances!).
1. Mindfulness can help people of any age. That’s because we become what we think. If you have a negative thought – “I can’t stand my boss” – it perpetuates a negative worldview. But if you replace each negative thought with three positives ones, you begin to restructure your brain. Research has proven that this practice can lift people out of depression. That’s a powerful force.
Two practices you should incorporate into your life are Meditation and Exercise. Meditation thickens the cortex, where we make decisions, analyze, feel more connected to others and dream. That’s why it’s essential to take time to breathe or spend a few minutes in nature away from phones and computers. Exercise helps to release the stress of the day and the endorphins that help you to feel better – both in regards to health and your mind.
2. Want more money? Use member benefit sites to save more money in the New Year. Many department stores and restaurants offer savings benefits if you sign up for their savings card. Take full advantage of these savings. Check your local newspaper for other discounts and coupons.
3. Look for ways to save when you hit the road. Plan your next special getaway or family road trip as together time. Consider renting a larger vehicle to accommodate the whole clan so everyone can travel together. You’ll save on gas and create long-lasting family memories.
4. Practice the 3 Rs – Reduce, Reuse and Recycle! Save money on your next energy bill and reduce your energy footprint – unplug your appliances and tech devices when not in use. In the event of an emergency, don’t be left in the dark. Consider an energy-efficient generator to help keep you safe.
5. Lower your medical bills and prescription costs. Make exercise and eating healthy a habit today and your medical bills will be lower later. You’ll feel better now, and help reduce your chance for developing diseases that are related to poor diet and lack of mobility.
6. Spend time – not money. Take the time to scout out fun, free activities in your area so you can save but not feel deprived. Even better, volunteer or contribute to a worthy cause. The more dollars you donate, the richer you feel. Remember: when you give you receive in return. It’s the power of the universe.
7. Savings work exactly the opposite way as debt. The interest earned over time could give you twice as much cash by the time you actually spend it. If your employer offers a matching 401 (k) plan, grab every penny. Bump up your contributions, even if it’s only by a percentage point, whenever possible. Need a little incentive? Visualize yourself in your golden years. A study found that people who were shown age-simulated photos put aside twice as much money toward retirement. Check out in20years.com or agetell.com.
We all make resolutions and usually by mid-February we stop working towards them. Use everyday to your advantage. Each time you accomplish an objective that you set – celebrate! Then, sit back and watch your health and finances improve in 2015!