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Resolution for 2019

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Already planning your new year resolution? If you are like most people, you will make them – only to break them within six to eight weeks.

No surprise here, like every year most common resolutions : eating healthier, setting exercise schedule Etc., will be ringing in 2019 as well. It’s easy to get overly ambitious and come up with a list of resolutions with no plan for reaching your desired outcomes. And a resolution without a plan or specificity equates to nothing more than a wish. You don’t have to overhaul your life and set five goals at once. So focus on one or two objectives at a time.

Does it also happen to you that all your New Year resolutions get crumbled just in 1 or 2 months? If yes, change your habit now and make something firm for your health and fitness this year. The reason that we don’t complete our intended plans is because we don’t set some realistic targets for them.

Tips to break down your goals –

1. Main Goal

2. 5 year Goal

3. 3 year Goal

4. Yearly Goals

5. Half Yearly Goals

6. Quarterly Goals

7. Monthly Goals

8. Weekly Goals

9. Daily Goals

You need to focus on the step ahead of you but be aware of the bigger picture.

According to various studies you will find one thing common in all the successful people that they all set goals. From short-term motivations to long-term visions, you get everything when you set goals. Similarly, when you make New Year resolutions, you help yourself achieve targets in a given time period.

Apart from all kinds of other resolutions, you should make, resolutions for health and fitness should be given more importance and value since health is all your wealth.

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Are you making resolution for 2019 ? Generally more than half of resolutions fail, but this year make sure they are not yours. Identify right resolution to improve your life, create a plan on how to reach it, and become part of exceptional group of people that successfully achieve their goal.

Pick the right resolution – You will give yourself your BEST at success if you set a goal that’s doable and meaningful as well.

A lot of these resolutions fail because they’re not the right resolutions. And a resolution may be wrong for one of three main reasons:

  • It’s a resolution created based on what someone else (or society) is telling you to change.
  • It’s too vague.
  • You don’t have a realistic plan for achieving your resolution.

Your goals should be smart — and SMART. That’s an acronym for Specific, Measurable, Achievable, Relevant and Time-bound. It may work for management, but it can also work in setting your resolutions, too.

  • Specific. Your resolution should be absolutely clear. Making a concrete goal is really important rather than just vaguely saying ‘I want to lose weight.’ You want to have a goal: How much weight do you want to lose and at what time interval? Five pounds in the next two months — that’s going to be more effective.
  • Measurable. This may seem obvious if your goal is a fitness or weight loss related one, but it’s also important if you’re trying to cut back on something, too. If, for example, you want to stop biting your nails, take pictures of your nails over time so you can track your progress in how those nails grow back out. Logging progress into a journal or making notes on your phone or in an app designed to help you track behaviors can reinforce the progress, no matter what your resolution may be.
  • Achievable. This doesn’t mean that you can’t have big stretch goals. But trying to take too big a step too fast can leave you frustrated, or affect other areas of your life to the point that your resolution takes over your life — and both you and your friends and family flail. So, for example, resolving to save enough money to retire in five years when you’re 30 years old is probably not realistic, but saving an extra $100 a month may be. (And if that’s easy, you can slide that number up to an extra $200, $300 or $400 a month).
  • Relevant. Is this a goal that really matters to you, and are you making it for the right reasons? If you do it out of the sense of self-hate or remorse or a strong passion in that moment, it doesn’t usually last long. But if you build up a process where you’re thinking harder about what’s good for you, you’re changing the structure of your life, you’re bringing people into your life who will reinforce that resolution, then I think you have a fighting chance.
  • Time-bound. Like “achievable,” the timeline toward reaching your goal should be realistic, too. That means giving yourself enough time to do it with lots of smaller intermediate goals set up along the way. Focus on these small wins so you can make gradual progress. If you’re building a habit, you’re planning for the next decade, not the next couple of months.

 

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Set achievable goals – First consider what you want to achieve, and then commit to it. Set SMART (specific, measurable, attainable, relevant and time-bound) goals that motivate you and write them down to make them feel tangible. Then plan the steps you must take to realize your goal, and cross off each one as you work through them.

Goal setting is a powerful process for thinking about your ideal future, and for motivating yourself to turn your vision of this future into reality. The process of setting goals helps you choose what you want to achieve during the year. By knowing precisely what you want to achieve, you know where you have to concentrate your efforts. You’ll also quickly spot the distractions that can, so easily, lead you astray.

Don’t concentrate on the end Goal. Check your journey.

It’s easy to lose perspective whatever your priorities may be. Whether your focus is, it’s easy to feel overwhelmed by day to day life loss perspective on the things that matter.

There is no denying the importance of self-love. It is essential to put yourself first before you can think of others. Aim to get at least one self-care day a week. Whether it’s going for a bath, reading a book or baking, it’s beyond important that you take time to yourself and away from stress to ensure that you stay on top of your goals while looking after yourself.

Making health and wellness your priority in 2019 can be a challenge but instead of focusing on the end goal, concentrate on the journey that brings you to your goals and your goals start with your knowing your health.

Comfortable Sleep –  Sleep is actually one of the most important aspects to consider for a healthy and happy life. Up till now, if you aren’t comfortable with the amount of sleep you are getting, you can make a resolution to sleep a little more.

According to studies,  lack of sleep can lead you towards various diseases including early death. Moreover, one should sleep at least 7 to 8 hours in the night in order to decrease the risk of different diseases and to maintain immune system.

Focus on mental health – To focus on mental health is as important as on your physical health. You should go to the gym and training centers so that you can have a healthy body. However, you shouldn’t forget about your mental health in the meanwhile.

At the start of this New Year, you should make a resolution for your mind in which, you will be sleeping at least 8 hours in the night and eating healthy foods to benefit both your mind and body.

According to psychologists, if you think and speak positively, write down something grateful for you, focus on only one thing in a moment, do regular exercise, eat a healthy meal, take adequate breaks from work, and go to bed on time, you can effectively provide some meaningful benefits to your mind.

Spend more time outside – Vitamin D is a fat soluble vitamin that is essential in maintaining strong bones and teeth. Vitamin D also maintains a good mood. We get a sufficient amount of vitamin D from spending 20-30 minutes in sunlight each day.

It has been proven time and time again that vitamin D and vitamin D deficiency are linked to a number of emotional illnesses. Conversely it has been proven that light therapy can relieve depressive symptoms, especially in cases of Seasonal Affective Disorder (SAD).

Whatever the weather, aim to spend at least one hour outside and one hour off your screens. Artificial light can begin to chip away at your natural circadian rhythm whereas natural light and fresh air can improve your mood and vitamin D levels naturally.

If you are feeling chronically fatigued, maybe you should consider checking out your vitamin D levels, especially if you are vegan or vegetarian as certain dietary regimes can play a significant role in vitamin deficiencies.

Meal Prep – Here we are not connecting meal prep to weight loss.

Think of meal prep as a way to save money, free up time during the week and hone your skills in making healthy and delicious creations all from your own home.

You might find the idea of dedicating 2-3 hours to prepare food for the week ahead a bit daunting or boring but trust us when we say that the benefits of meal prep are numerous.

Let’s look at some of the benefits of preparing meals for the week ahead:

  • Meal-prepping for the week ahead saves time during a busy working week.
  • Meal-prepping takes away the temptation for unhealthy and quick meals.
  • Meal-prepping could be your contribution to saving the planet by using reusable lunch boxes.
  • Meal-prepping can ensure that you’re getting all of the vitamins and minerals you need in each meal.

Practice Mindfulness – Mindfulness is also often associated in health-related “New Year New You” thought but what is the biological reasoning behind those ums, ahs and deep breaths?

It all comes down to cortisol. Cortisol is a steroid hormone that is commonly referred to as a “stress hormone”. Cortisol controls your response to stress, regulates blood sugar, acts as an anti-inflammatory, influences memory formation, controls salt and water balance in the body, influences blood pressure and foetal development.

In one study, it was found that diaphragmatic breathing can trigger body relaxation responses that overtime can change your body’s ability to deal with stress and cortisol production.

To begin the process of practicing mindfulness, you don’t need to an expensive app, membership or equipment; you just need yourself, 10 minutes and a quiet place. Starting the new year by testing your cortisol levels could motivate you to find healthier ways to deal with stress, and you never know, meditation could become your new favourite hobby.

Replace your bad habits with good ones – This happens to one of the most common New Year resolutions that the majority of people across the world make but quite a few of them follow for long. There are various bad habits that we come across in a single day and we can actually replace them with good ones.

For example, if you have a bad habit of taking drugs, you can replace it with going to a gym. Isn’t it a great deal? You should also replace other bad habits like taking more caffeine, more tech-time, and others with some good ones. If you remain consistent in leaving at least one bad habit every year, you will be living a pretty happy life in quite a few years.

Quit Smoking Seriously – Quit smoking, no seriously. Smoking is ruining your health. Whatever the method, find a way to quit and in the words of Nike, just do it.

If that’s not enough motivation, here are some helpful statistics to scare you into at least thinking about it:

  • Nicotine reaches the brain 7-10 seconds after smoke is inhaled. Nicotine is as addictive as heroin and is found in every part of a smoker’s body including breast milk.
  • Smoking increases your risk of cancer X 25.7 times as a woman and x 25 times as a man.

Cut Down on Booze – We’re not telling you to cut booze out, we’re simply telling you to cut down.

Aim to not drink over three standard drinks in one sitting. Focus on making memories instead of losing them. Most importantly, respect the power of alcohol and aim to drink accordingly.

Gym and Training – Gym and training are not only associated with athletes. Rather, a common man should also take care of his body with proper exercise and training. According to studies, many newbies head to their nearby gyms at the start of a year and most of them get disappeared even just after a month.

Having frequency and consistency in your practices is more important than anything. The more frequent you remain at the gym, the more success is waiting for you in the future. Apart from going to a gym regularly, you can also start reading health and fitness related journals.

Fruits and vegetables – There are various potential benefits of fruits and vegetables and you need to avail them more in this coming New Year. Moreover, the two blessings of nature happen to be health-improving and disease-fighting for a human being.

You can make an effective resolution to start a day with fresh fruits or juice and can take a portion of vegetables and fruits with hourly gaps throughout the day. Confused? Well, you can have a salad of vegetables with your lunch and dinner. Moreover, you can also use these two things in a raw form as snacks.

If you keep this habit of eating more fruits and vegetables, you can surely have a healthy life ahead.

Weight Loss – Every new year lots of people make a resolution for weight loss. You can make one for yourself for 2019 because it has become essential to maintain a normal and recommended weight in order to live a healthy, strong, and happy life.

For this New Year, you can make a resolution of 500 extra steps in a week so that you can burn more calories from your body. Since finding time in this modern and fast-moving world is difficult, you need to follow some consistent weight loss practices side-by-side with all your other office and household works.

Stop weighing yourself – The Body Mass Index Ratio (BMI) was created in the 1800s, and yet many people still use it as an absolute measure of their health and wellness. The BMI scale takes your height and weight into consideration. A BMI of 18.5 to 25 kg/m2 reports that you are at your optimal weight but what is the BMI scale really taking into account?

The BMI scale cannot take your proportions, muscle mass or health status into account. Your weight cannot determine your health status further than telling you if you are under or overweight, equally, weighing yourself can often do more harm than good. You cannot quantify yourself by what you weigh.

Preventative healthcare is more popular than ever before. Today you can screen for everything from the lipids in your blood to your liver health. Stop focusing on the number of the scales and instead focus on the markers that can offer you more insight into how you objectively feel.

Live every moment – And last but not the least is the resolution of living each and every moment you get in 2019. Though it has always been tough for everyone to forget about your past and future just to concentrate the present, you can at least try it in 2019.

 

The more you put away the distractions of past and fears of futures, the more you will be able to concentrate on your present. The importance of being present is quite valuable and you must try to remain present in your present.

A New Year comes with an opportunity to have a fresh start. It happens to be a great time to take firm decisions and stand with them. By making the above resolutions, you can enjoy a healthy and happy year with your friends and family ahead!

For Young people – The new year is a perfect time to assess your professional growth over the past year and set goals for the next! Set yourself up for a productive, exciting, and successful new year by focusing on your career.

Following resolutions will help you in your career and your career will flourish in 2019.

Further your education – It’s never too late to learn something new, and furthering your education helps strengthen your mind for future challenges. Choosing to go back to College is a rewarding way to stay competitive in your industry by expanding your knowledge.

Find a mentor – Have you been meaning to enter a mentoring relationship to help grow and guide your professional development? Connect with a mentor in the new year! Mentors can help enhance and hone your skills, bring a seasoned perspective, and help your career in the long-run. Pick a mentor outside of your immediate department so that you can gain new insight into the company and feel comfortable discussing any problems that might arise within your office as you pursue a solution.

Read a book – Reading is fundamental! Take a break from your usual fiction list and jump into new ideas that will illuminate the world around you and your place within it

Volunteer – Volunteering looks great on your resume and it feels good to boot! Find opportunities to give back around your community to help better yourself in the new year.

Add a bullet to your skills section – Developing a new skill can help you grow in your professional and your personal life. By making professional development a priority, you’ll build new connections and position yourself for advancement.

Expand your network – Join a professional network or society and connect with a community of professionals who do what you do and love it, too!

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We’re creeping ever closer to 2019. It’s New Year’s resolution time. Though most of us start off the new year with the best of intentions — be it to get healthy, put our finances in order, or finally learn how to play the guitar — most of our resolutions end up being massive failures. In fact, a whopping 80 percent of resolutions fail within six weeks. But, there are ways to make your resolutions work.

THE COMMON RESOLUTION: “I’m going to eat healthier.”

THE SMARTER RESOLUTION: “I’m going to have at least two pieces of fruit a day and eat a salad before every dinner.”

Why it works: Picking one or two things to focus on is much more realistic than changing your entire diet—and telling yourself when you’re going to incorporate these changes during your day makes it more attainable. Plus, focusing on what you should be eating helps you avoid a restrictive “I can’t eat that” mindset, which often just leads to a junk food binge.

Fruit’s a good choice, since most guys don’t eat enough of it anyway. Plus, having something naturally sweet as a dessert will help eliminate your not-so-healthy sugar cravings over time.  Your diet’s probably lacking vegetables, too, so start every single dinner with a salad. Just hold the creamy dressing, or ask for it on the side, to avoid turning it into a calorie bomb. Vegetables and mixed greens are packed with filling fiber, which prevents you from loading up on extra calories during your main meal—ultimately leading to better portion control.

THE COMMON RESOLUTION: “I’m going to work out every day.”

THE SMARTER RESOLUTION: “I’m going to exercise 2 to 3 days a week.”

Why it works: Going from zero to 100 just isn’t realistic. If fitness isn’t a part of your daily routine, and then you make a pact to hit the gym daily, you’re going to burn yourself out and quit after a month.

The smarter approach? Start hitting the gym a few days a week that actually work with your schedule—say, squeezing in a quick run during lunch, or maybe you hit the gym while your kids are practicing games. It’ll make you more likely to commit and stick with your new routine. Once you know you can commit to twice a week, you can gradually bump your days up. For a full 14-day plan that starts you off with the basics.

THE COMMON RESOLUTION: “I’m going to lose 20 pounds.”

THE SMARTER RESOLUTION: “I’m going to focus on what I can control, like changing my diet and exercise routine, rather than the number on the scale.”

Why it works: You can’t necessarily control the result, but you can control the behaviors that bring you closer to your weight loss goal. Focus on what you need to do to make it happen. That might mean committing to the gym two or three days a week, and fitting in vegetables and lean protein at every meal.

Having a plan lets you keep closer track of your progress, too. When you hit a weight loss plateau, you can go back and assess the behaviors you’re supposed to be doing. If you realize you’re slacking on them, that’ll explain why you’re struggling to lose weight—what you need to work on to get there.

THE COMMON RESOLUTION: “I will land my dream job.”

THE SMARTER RESOLUTION: “I will expand my professional network.”

Why it works: Opportunities are found through people, says career expert. Sending your resume out to a black hole job portal won’t get you the job. Having someone who can vouch for you will.

Identify three or four people who are steps ahead of you in their careers and reach out to them. There’s no one perfect way to do it, but do some research on LinkedIn. You can also tap into your existing network to see if someone is connected to a person at a certain position or organization you are interested in.

Then send them a thoughtful email. Mention you admire their work, and say that they’re doing something you’d like to do, too. Once you’re connected, try to meet up for coffee. The best connections and opportunities arise from real relationships, meaning your relationship has to an authentic one if you want to benefit from it.

THE COMMON RESOLUTION: “I will be a better boyfriend/husband.”

THE SMARTER RESOLUTION: “I’m going to make an effort to apologize when I should.”

Why it works: Generalized promises to be better and make your partner happier don’t normally help you achieve the intimacy you’re after.

Instead, you become more intimate with your partner when you deliver your promises through actions—and apologizing is a concrete action that deepens trust, respect and intimacy. Plus, apologizing lets your partner know that you see and hear them, which is important for any type of meaningful connection.

Admitting you’re not perfect also shows your vulnerability, which can make your partner feel safe in your relationship. It’s not just about saying “I was wrong,” either. Simply just acknowledging you heard what your partner said and that you understand—or are at least trying to understand—how they feel is a good first step. That shows empathy, which is important because it shows your partner that you actually care and respect them enough to put the energy into your relationship.

THE COMMON RESOLUTION: “I will meet the girl of my dreams this year.”

THE SMARTER RESOLUTION: “I’m going to be more present in social situations.”

Why it works: Focusing on what’s going on in the moment can create more opportunities for connection.

If you’re in a social environment, put your phone away if you’re using it as a “space-filler.” Doing so can hamper the opportunity to engage with whoever is around you. If you’re on a date, just enjoy the date for what it is. Devote yourself to the person in front of you and the conversation that you’re having.

Once you meet someone new (perhaps at one of the surprising places to meet cool women), avoid immediately thinking about what the future could hold. Just enjoy the fact that you’re having a new conversation with a new person—and if that leads to something great, then so be it. Suddenly, there’s less weight on meeting the “perfect girl,” and more weight on enjoying that moment with another person.

THE COMMON RESOLUTION: “I’m going to save money.”

THE SMARTER RESOLUTION: “I will create and maintain a budget.”

Why it works: Creating and sticking to a budget gives you the tools to help you save more.

There is no right or wrong way to create a budget, but you want to make it as simple as possible so you stick with it. Use a budget worksheet or just create your own Excel spreadsheet.

Start with your monthly net income, then subtract your fixed expenses, like car payments. Lastly, subtract your discretionary expenses. Try to use the same credit card all month for all your personal spending, which will make it super easy to track. At the end of the two months of tracking your purchases, re-evaluate your budget to see if you can make any positive changes to your spending habits, like reallocating extra personal spending into an extra savings or cutting back on restaurant meals.

THE COMMON RESOLUTION: “I will be less stressed by my job this year.”

THE SMARTER RESOLUTION: “I will decrease my workload in the office.”

Why it works: Parts of your job will probably always cause you some kind of stress, but eliminating unnecessary stressors of it can play a big role in calming you down.

The best way to do this? Meet with your boss to see what can be taken off your plate and delegated to someone else. If you’re genuinely overloaded, make a case to your boss that it’s in the company’s best long-term interests to reassess your workload.

In those cases, you can point out what’s not getting done for lack of time, or what’s getting done, but with less care and attention that would be ideal. Then, you can move on to possibly moving stuff off of your plate entirely.

Just make sure you’re truly swamped and stressed before you do this. If you aren’t really all that overloaded, going to your boss and asking to do less will come across as tone-deaf at best and slacker-ish at worst. So you really need to have a good sense of how reasonable your workload is overall.

THE COMMON RESOLUTION: “I’m going to get more sleep.”

THE SMARTER RESOLUTION: “I’m going to shut off the TV and turn off my computer one hour before bed.”

Why it works: If you’re a parent you know a thing or two about sleep schedules with your kid. But, just because you’re a grownup doesn’t mean you shouldn’t live by the same rules.

Getting into a consistent bedtime routine is a must when it comes to improving both the quality and quantity of your sleep. And, according to researchers, having a sleep ritual may be the best thing for you. Start by deciding what your actual bedtime will be. Then, plan to use the 30 minutes to one hour prior to this time to prepare each night. Maybe you put down your computer and read a book instead. Perhaps you relax in a bath, enjoy a cup of tea, start a new meditation routine, or listen to some soothing. Any of these things will do and will all help you start counting sheep even sooner.

 

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If you’re like most Individuals, you wake up on January 1 with renewed determination to reach your goals. So how can you really make it happen this year—and make the changes stick? While you always want to aim big, the best strategy is to think small—and personal.

When you add them up, incremental improvements are incredibly powerful. If you can improve by one percent per week over the span of a year, that’s a 67 percent annual improvement, which is quite amazing.

When setting your resolution, keep in mind that the only one that is truly committed to your success is you. In fact, research has shown that people who are internally motivated are more likely to stick to a task, invest more time in that task, and be more successful at that task. Stop worrying about what other people think you should be doing and create resolutions based on what is most important to you!”

Here are few doable ideas that you’ll be able to transform from resolution to lifestyle.

  1. Set one goal per month.
  2. Add a “Why” to your resolution.
  3. Choose a workout that suits your schedule.
  4. Create your own workout calendar.
  5. Pack emergency snacks.
  6. Commit to taking a stairs.
  7. Measure your food ( in terms of calorific value ).
  8. Vow to wear sunscreen every day.
  9. Tuck away the treats ( out of sight, out of mind).
  10. Load yourself on low carb veggies.
  11. Track your water intake.
  12. Multi task your way to more movement.
  13. Sit Stronger.
  14. Schedule standing time.
  15. Make fit friends.
  16. Upgrade your nutrition starting with one meal.
  17. Make lunch your biggest meal of the day.
  18. Close the kitchen by 8pm or even earlier.
  19. Brush your teeth thrice a day.
  20. Prep for sleep success.
  21. Plank two to three times a week.
  22. Walk 1,000 more steps a day.
  23. Go dry for seven days.
  24. Eat something with probiotics every day.
  25. Swap one sugary food from your diet per day.
  26. Go to sleep at the same time each night.

                Some additional resolutions for real peace of mind.

  1. Create a ‘future expense’ fund.
  2. Cancel your expendable auto-payments.
  3. Give yourself 30 minutes of ‘me time’ a week.
  4. Move your social media app off of your phones your home screen.
  5. Take time once a week to write down everything you have accomplished.
  6. Plan your workout week by week.
  7. Prep one meal or main dish a week.
  8. Make ‘free’ plans every month.
  9. Cut back on bad influences.
  10. Stand to loose something.
  11. Start single-tasking for 20 minutes a day.
  12. Learn to play an instrument.
  13. If you miss a goal feel free to start a fresh.
  14. Always be Positive and realistic.
  15. Take control of your finance.

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We always think of making health related resolutions which more often fails due to various excuses within about six to eight weeks. So lets also focus on another important factor which is personal finance. The start of a new year provides a natural opportunity to look back and offers an extra push toward new adjustments going forward. That’s why New Year’s resolutions are so popular.

Look for some changes in your financial circumstances. Choose just one or two to accomplish in 2019 and you’ll be surprised at the difference in your life:

Your personal finance resolution for 2019 :-

1. Save Rs. 10,000 ( $1500) – Lots of people worldwide have negligible balance in savings. As per successful wellness financial plan You should have always funds for emergencies of about Rs. 10,000 Since finding such funds overnight might be difficult in case of emergency. Try and save about just Rs. 833 per month and you will complete this resolution  by the end of the year…

2. Sell about Rs. 2,000 worth of clutter – Basic for this resolution is to turn your unwanted stuff into cash. Free your home of clutter and build your savings simultaneously.Minimizing your unwanted stuff is as win-win. This is biggest no-brainer  on the list.

3. Remove 25%of your wardrobe – If you are looking for some changes in your financial circumstances, here are the ten best personal finance resolutions to consider. Choose just one or two to accomplish in 2019 and you’ll be surprised at the difference in your life: For example, a closet filled with only items you love, often results in greater contentment—and better control over your urges to accumulate. Additionally, getting ready in the morning is less stressful, allowing you to be productive during your day ahead. That’s always good for the bottom-line.

4. If you are a dual income family, seek to save one spouses’ entire salary – If you and your wife are both working, determine to live on only one salary and put the entirety of the other person’s salary into savings. This will set up financial success at the very beginning. This resolution will take planning and won’t likely happen as soon as the calendar turns to new year, but it is a goal you should choose to work toward in 2019.

5. Make a budget – Seriously consider doing it now if you haven’t done it. Don’t put it off now. This is the year ! If you are not comfortable with traditional type of budget, try something with a different approach like spending plan.-

6. Start saving through monthly recurring – Open recurring account with standing instruction to credit account from salary account. So by default you will be saving desired amount without wasting any time.

7. Embrace shopping ban to challenge your shopping habits – Pick the dates, mark them now, and commit yourself to not spending a single Rupee (dollar) for two weeks (groceries may be a worthy exception). There’s no downside to the experiment—only upside. You’ll learn more about yourself, rethink your consumption habits, and save some money along the way.

8. Invest in retirement plan – Your year of retirement is one year closer. Concern arises if you do not have enough money on retirement. So start saving from today, even if it’s just small amount. Invest today and start a step in that direction by putting some money every month.

9. Make one extra payment of your loan – One extra payment in a year will shorten the length of your loan by about 4-5 years over a period of time. You can spread this out over the course of the  year.

Choose as many points mentioned above  that will help you and you can be passionate about. You’ll be surprised how quickly they make a difference in your outlook towards personal finance.

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