Posted on Friday 01 January 2016
Procrastination is never a good thing, yet so many Canadians do exactly this. You don't have to put off what you can do today! You've heard it before, right? Getting goals in order and debt in balance can help ease a financial adjustment for the coming year. While New Years goals and resolutions might make you cringe inside, planning ahead can ensure a happier, healthier and financially sound New Year! Remember, whether it is related to health, diet and fitness, or your financial future--these 5 basic steps will help you get started in the right direction without regret, avoidance, guilt, or any negative emotion at all. Don't let a busy life keep you from staying on track and keeping goals in the forefront of your mind! This happens too many times. Now, if you're finally ready to see your goals flourish, set your eyes on the prize and follow these simple steps to ensure your happiness and success into the New Year!
Have you started making plans for the New Year? Do you know where you'd like to see yourself? Before you get down to the nitty gritty and begin carving out future goals, you need to do a fact check--and be realistic with yourself. Reviewing last year's mistakes and educating yourself on where you made wrong decisions is wise. This can help minimize those very same financial errors. So, take account of the past and examine where you've been versus where you'd like to see yourself going. Whether the problems have arisen from your own procrastination, or your own misjudgments--you need to take heed and be accountable. When you do this you'll be able to progress in a positive manner, even reaching long-term goals! Review the following 5 steps and try to implement these into your life if you want to finally cross the finish line to financial freedom !
Step 1: Begin keeping up with monthly expenses and categorizing varying household expenses
You should start a plan by writing down every normal monthly bill and expense you might have--minus entertainment. It works better if you keep fixed cost items tallied so you know what to expect every month. For those items that can vary, you need to keep track of these as well, but in a category where you can make necessary adjustments. Once you begin to know what to expect--this is when you can begin to make the proper changes to live more securely.
Step 2: Look back on the past and be ready to adjust to change
If you go back and review the previous year you'll find your transgressions. This is the smart thing to do before you simply pull out pen and paper and begin planning goals for the future. Knowing your past mistakes and what led you to them makes a dramatic difference. You can break the cycle and ensure your strategy for success stays intact all year long! This applies to health and fitness goals as well as finances! When you want to stay on track, looking at the past just might motivate you to succeed this New Year.
Step 3: Discipline yourself to stick to a plan
This is the wisest tip you'll ever get! If you boggle yourself down and set to high of a bar, you're setting yourself up for failure, but you have to discipline yourself too. It's a challenge when it comes down to changing bad habits, but you can do it. Now, everyone has their own technique when it comes down to disciplining oneself to follow through on an action. You want this to have an impact you won't forget, so make the consequences for a poor decision make sense.
Step 4: Minor setbacks are natural; don't ever give up
We all make mistakes and some setbacks are certainly normal. Now, beating yourself up over something minor is foolish. The best thing you can do is to never to allow a resolution relapse force you to call it quits. Jus remember, sometimes change takes just a bit of a struggle to adjust to it properly--it's 100% normal!
Step 5: Negotiate with others to see those New Year goals make it to fruition
Reign in the support for motivation and encouragement. It is hard to stick to a path you feel you're walking alone, so supporters are always welcome! When you have that extra bit of pizazz you become more assertive and conscious of your decisions. If you're married, team work is critical to meeting your goals for the New Year; be they financial or health related. Remember, two heads are always better than one! At the end of it all you'll be able to do a happy dance and brag about your determination and success!