Happy New Year!
Here comes another year which reminds us we are getting older (but at the same time wiser). On the optimistic side we will have another year ahead of us where we can look forward to having a brighter future!
Around this time, some of us are writing down (or at least thinking about) new year’s resolutions. Why do we wait until this time to do it? Maybe it is because having a new year gives us a chance to reflect on the past, evaluate and make plans for changes in our lifestyle. This gives us another chance to achieve what wasn’t and to erase the regrets of the past.
May I present to you some tips or suggestions on how to make our resolutions effective?
*Get rid of bad habits – smoking, drinking a lot, gambling, overeating, etc. I’m sure most of you don’t do it, but the best way to get started with the new year is to totally forsake bad habits that can really break down your spirit, health and overall well-being. The best way to quit also is by cold turkey. It will hurt for days or even weeks but after that, everything gets better. Before you do it, make some research on how best to go about doing it, or ask a professional how to do it effectively. Is too much TV and video games considered bad habits? Yes, because it robs you of productive positive output. TV and video games you don’t have to quit totally, but you need to cut down a big chunk of time spent on them.
*Get rid of some of your debts – A lot of people have learned from the economic recession. They downsized houses, sold their gas guzzling vehicles and bought inexpensive cars. Let’s continue this because the only one that can really help us in our finances are ourselves. If you have a monthly debt payment of let’s say $100 to your credit card. Add another $50 so you can get your card payment paid early. Also you can switch to a twice monthly payment for your house mortgage (ending up with 13 months of payment instead of 12 months a year) which saves you about 7 years of payment and tens of thousands (maybe hundreds of thousands total?) of dollars in interest payments. If you want to know more how to reduce debt, use the web for research. There’s dozens of financial advisers on how to live a frugal life.
*Think hard on your priorities – for example, some people would rather save on groceries so they can afford a new car stereo. That’s completely OK. However, be realistic about it. You don’t want to eat less quality food to listen to a slightly higher quality sound. It’s nice but if you can’t really afford it, it’s time to rethink it over.
*Work on improving your relationship with at least one person. It doesn’t have to be a very likeable person, because that would be too easy!
*Don’t write down too many resolutions because it would probably overwhelm you. List down three. Work one at a time. Once all three are achieved, make another list.
*Think of all your purchases. Once you buy it, you may not be able to return it in case you suffer from buyer’s remorse. Some of the knick-knacks you buy becomes “junk” once it get to your home. Do you buy a new shirt every weekend? And do you really need two dozen pairs of shoes? Mrs. Marcos has more than 3,000 at one point but it was all “given to her” so there was no expense on her part. :). Buy quality items so you don’t have to buy another one after a few months. The problem with quality is they don’t break when you get tired of them. There are two options: give them away or keep them stashed out of sight for a year. After a year, take it out and presto, you’ll love it again!
Those are all my suggestions to you. But what about me? I’ll be working on mine based on the themes of what I just recommended to you. I sincerely hope we all succeed in our resolutions.
Happy 2013 to all of you! Talk to you next year!