Draft Your Money Saving Resolutions for 2007
New year’s just a few winks away. How are your savings accounts, if any? Dented or still in tact?
Have your credit card debts ballooned due to Holiday gift shopping? What about your grocery budget? Destroyed, too?
Don’t fret. New year is for new beginnings and if you have lost some good amount of moolah this yearend, 2007 will definitely bring you more chances to better your financial standing.
So is your new year resolution to be more frugal? eco-friendly? or to become a better DIY’er? or you still haven’t written or even just taken a mental note of your New Year Promises to Yourself? Here is how you can jumpstart your resolutions making for 2007:
1. Don’t rely on your memory.
Get a pen and paper. No, don’t you dare use a scratch paper or just anything that you can lose easily. A journal that you will always know its whereabouts is a great cache for your resolutions. Now if you are not a pen and paper person, go hit the keyboard and type away your thoughts to ponder for 2007.
2. Think of your failures.
Retrospection will help greatly in knowing what you have to work on. Were you a bad credit card holder? Are you still sick of shopaholicism? Do you always manage to destroy your emergency fund during your travels? What financial management misbehaviors have you done this year?
3. Think of your victories.
Contemplate on what have you done right that made your savings account bloom. Have you asked a financial consultant about your money decisions before giving them a go? Did you get yourself a new source of income? Did you work on getting rid of your vices or any other unnecessary expenses?
4. Do the math.
Bring out receipts, your savings account documents or check your online bank and print out the figures. You don’t have to compute the exact sums of what you have lost and gained. But bravo if you can! Estimates are good enough. Feel how bad it is to lose this much and how good it is gain that much of money. If you were able to save this money, what could have you afford to buy or do?
5. Finalize your resolutions.
Well, not really. Just see what have really impacted your financial savings and check on what you can do to avoid any negative effect. Repeat or improve those actions that made you boost your savings.
6. Idolize Moses.
I mean make those resolutions very easy to access. You don’t have carve them on a tablet. Printing them out and posting them somewhere you can easily see them everyday will remind you of them more easily.
Easy, right? NOT! But it can be done. Cliche’ but definitely true: If there’s a will, there’s something to give to your beneficiaries. Just kidding! There’s a way!
Happy Holidays everyone!
Tags: 2007-resolutions, money-resolutions, new-year-resolutions
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