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28Dec. 2017

10 Common New Year’s Resolutions and How to Actually Achieve Them

How often do we all start off the new year with a long list of resolutions, only to abandon them a month or two later? Before you make your New Year’s resolutions, or pull out the same list you’ve been working for the past decade, think about how you’ll make them stick this year. Here are a few things to help improve your chance of success:

  • Write it down.

  • Come up with a realistic plan.

  • Set a goal.

  • Be specific.

  • Start slow and small.

Here are 10 common New Year’s resolutions and a few ideas to help achieve them this year.

Lose Weight

To make this work, decide how much weight you’d like to lose. It’s okay to start small with a goal of five or ten pounds. If you choose a big number, give yourself more time to achieve it. Decide what you’ll do to lose the weight and make a realistic plan.

Exercise More

Decide what “more” means to you. Instead of never will you exercise once or twice a week? Will you increase your current workouts from once a week to three times a week? Also pick a few different exercises you want to try. If you hate the first exercise you try, you’ll already have more options, which will help you avoid giving up entirely.

Eat Healthier

Think about how you’re eating now and what you’d like to do better. Allow yourself to make incremental changes. Maybe in January you have one less soda a day, and in February you add two fruits to your day. Small, incremental changes can lead to big results.

Get Your Finances Straight

Consider what this means to you. Maybe you need to look at your insurance policies to make sure you’re not paying too much. It could be time for a life insurance policy now that you have a family. You may simply need to create a budget and stick to it. Start by writing down all of your expenses and your monthly income so you can see it all in one place.

Stop Smoking

This is a big one, and while it’s great for your health, it’s definitely not easy. Check to see if your health insurance provider offers a program or if they cover medications. Look for outside help - a group, website, or local organization. Be kind to yourself. You didn’t develop a 20 year smoking habit overnight, and you won’t stop overnight either.

Get a New Job

For most people, changing jobs is both exciting and stressful. You might decide this is the year to turn your side hustle into your main career. Network with people you know. Do your research about what’s available in your area. You may need to take classes or go back to school to get the skills you need first.

Learn Something New

When people make this resolution, they usually have something mind: learn a new language, learn how to sew, learn how to rock climb, etc. Like other goals, once you have the what, it’s time to decide the how. Look for classes in your area or online tutorials. Take your time. It’s going to take time, patience, and practice to learn your new skill.

Get Out of Debt

Owing less money and having less to worry about is a worthy resolution. Starting small and committing to your goals on this one will get you far. Focus on paying off one type of debt at a time, while also continuing to pay all your bills. Put as much money as you can afford to one thing and once that’s paid off, take that payment and apply it to the next one.

Get Organized

We all have that one room, table, or spot in our home or office that is completely disorganized. For some people, their entire lives look like that. Ask for help from family. Research different organizational methods to find what works for you and tackle one small thing at a time.

Save Money

Once you have a budget, you have a better idea of how much money you have left over after bills and incidentals. Talk to your insurance agent to make sure you’re getting the best price on your policies. Become energy efficient in your home. Walk or use public transportation to save on gas. Once you find savings, stash that extra cash away.

If your financial health is one of your resolutions this year, Ross Insurance can help make sure you have the right insurance coverage at the right price. Contact us today!


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