With so many options available, it can be hard to find the right retirement plan. That's why we've made it…
New Year’s resolutions are, for the most part, pretty boring.
“I’m going to lose weight,” “I’m going to save more money,” “I’m going to spend more time with my family.”
But what if you could come up with a new resolution that was actually fun and rewarding? We’ve come up with seven resolutions that are so out there, they’re bound to make your life better next year.
The 52-week money challenge is a way to save more money by putting aside a small amount each week — even if it’s only $10 or $100.
The goal is to save at least ten dollar per week for 52 weeks and then spend it over the next year. If you have saved $10 per week for 52 weeks, you will have saved a total of $520. By doing this, you’ll be able to invest or save up for big purchases like vacations or new clothes without having to take out a loan. Plus, having a goal that’s one year away makes saving for it seem more manageable!
Focus on one habit at a time. Set aside time each day to focus on one habit — whether it’s exercising more or eating healthier — and don’t allow yourself to stray from it until it becomes part of your daily routine. Once the habit has been established, move onto another one.
Going paperless is a big deal. It means that you’re making the move to a digital lifestyle, and that puts you on the path to becoming a more environmentally conscious person.
Going paperless is not just about using less paper. It’s about using information technology in a way that will help make your life easier, healthier and more productive. Here are some tips for making the switch:
Once you’ve cut down on paper waste by going digital, it’s time to organize what remains. A good organizational system can make all the difference between peace of mind and chaos in your home office or workspace!
If you have a lot of clutter in your life and want to make some changes, you may be tempted to start with the big stuff. I know I was.
But it turns out that the best way to get rid of stuff is to start small. The idea is to start a daily habit of getting rid of one thing every day. If you want to really go crazy, make it two things!
You can set up some rules for what qualifies as an item that can be removed from your life. For example:
So here are some ideas for New Year’s resolutions that may help you make progress towards becoming more productive and organized:
Get rid of one thing every day (or week). This doesn’t mean it has to be something big like an old pair of jeans or an unused umbrella. It can be something small like a paper clip or an empty water bottle!
Resolutions can be overwhelming, especially when they involve big changes like quitting smoking or losing weight. It’s easy to get discouraged when one month into your resolution you’ve only lost 0.5 KG and haven’t seen any results from your new exercise routine.
Instead of setting yourself up for failure, commit to doing one new thing every week instead of trying all at once. Your goal is not necessarily weight loss or fitness; it’s building new habits that will stick with you long-term.
If it’s something easy, like walking around the block after dinner instead of sitting on the couch watching TV, great! If it’s something more difficult, such as learning a language or taking an art class, even better! Whatever it is, commit to doing just one thing each week and watch your life change for the better over time.
As the new year approaches, many people will make resolutions to improve their lives. But what about all those other resolutions that could make you more productive?
Here are a few unique New Year’s resolutions to consider:
Practice 60 seconds of mindfulness every day.
Mindfulness is about being completely present in whatever you are doing, and this can be an incredibly effective way of increasing productivity. Set a timer for 60 seconds and focus on your breath, your meal, or a word that has special meaning to you. This may seem silly, but it can help you reconnect with what’s important and put things in perspective.
Mindful eating is a practice that involves paying attention to your physical and emotional experiences while eating, without judgment. It can involve focusing on the sights, smells, tastes, and textures of food, as well as being aware of your own feelings of hunger, fullness, and satisfaction. The goal of mindful eating is to increase awareness and enjoyment of food, and to develop a healthier relationship with food and eating.
To practice mindful eating, you can try the following techniques:
By practicing mindful eating, you can improve your physical and emotional well-being, and develop a more positive relationship with food.
If you’ve ever looked at your credit card statement and noticed a charge for something you didn’t order, then you know the hassle of trying to get a refund.
It’s frustrating enough to be charged for something without ever receiving it, but when you’re charged again and again over time, it can be downright infuriating.
This is a great time to take a look at your subscription services. You’ve probably subscribed to some online services that you no longer need or even use.
For example, I had a subscription to Netflix, which I cancelled because I switched to Disney+. But I didn’t realize that there was an automatic-renewal in place for my account. I’m sure there are plenty of other people with “dead” subscriptions on their accounts as well.
Here are some other ways to make sure that your subscription services don’t spiral out of control:
Look for upsells and automatic-renewals and cancel them. When you sign up for an online subscription service, it’s easy to click through the terms and conditions without reading them closely. That’s why many companies include automatic renewal clauses in their terms of service — so if you don’t remember to cancel your subscription before it renews for another year or month, they’ll automatically charge your credit card without asking permission first. If there’s any chance this might happen with your subscription service, check the terms carefully before signing up so that you know what’s going on with your account.
Money is a funny thing. We’re not always comfortable talking about it, and we find ourselves avoiding the subject even more so during the New Year.
But there’s no need to be nervous around your money. It’s just a tool that can help you reach your goals and make your dreams come true. And if you’re going to be making financial resolutions this year, you may as well talk to your money.
Here are some ways to do that:
Make a budget. If you don’t know where all of your money goes each month, how will you ever get ahead? Make a budget and stick to it!
Get out of debt. This one should be obvious, but it’s worth repeating: Get out of debt as quickly as possible by creating a plan and sticking with it until it’s paid off!
Save for retirement. You’re never too young or too old to start saving for retirement — especially if you haven’t been doing so already! Start putting money away now so that when retirement does come knocking on your door, you’ll be ready for him (or her).
If you’re worried about money and want to be more responsible with it, then hiring a financial planner is one of the smartest things you can do. A good planner will help get your finances in order so that you’ll be prepared for anything — including retirement.
Love or hate them, new years resolutions are a part of our culture, our identity. Make yours special by adding some new resolutions to the mix. They might be in different categories than before and they might take you in an exciting new direction, but they will still lead you towards your goals.