Tag Archives: New Year’s Resolutions

Five ways to Stick to your Resolutions

Did you set a financial goal for the New Calendar Year? Did you take steps to make it work?

Is your New Year’s Resolution now a dim, distant memory?  If you’re like most, chances are, it’s now in the too hard basket, life got in the road and you’ve really moved on…

But how can we boost our chances of sticking to our financial resolutions? Here are five practical tips to help you get back on track…

1. Was it an attainable goal?

It’s good to be ambitious, but you may have a better chance of sticking to your resolution if you have a smaller, and more reachable goals along the way.

Using the well-established and well-known SMART formula may help.  SMART stands for:

  • Specific – make your goal as clear as possible.
  • Measurable – specific goals are usually more measurable
  • Achievable – can you reach your goal in the foreseeable future
  • Relevant – do you really want this goal and you’re sure it would benefit you?
  • Time – set a timeline to achieving your target

2. Having a plan

Creating a plan that can help you take small but regular steps toward reaching your financial goal is vital. The key is to set specific milestones and a time frame for each. You may wish to talk to a friend who will keep you accountable, or your financial adviser about setting a plan for your financial situation and goal/s.

3. Announce it

Tell your family or friends about your resolution, or post it on social media. Shout it from the rooftops!  By making your resolution known, you may feel more responsible for sticking to it.

4. Track progress

Record and analyse your progress against milestones. Are you reaching those smaller goals along the way?  It could help to get your financial adviser to check your progress every so often.

5. Enjoy the process

Enjoying the process of reaching your goal may help you stick to your financial resolution. Give yourself a small reward or high-five every time you hit one of your milestones.

Whether you want to boost your savings, pay down debt or up your retirement fund, your financial adviser may be able to help you stay on track to achieve your resolution.  We’d be happy to be your accountability buddy!

Sticking to it!

I’m seriously not a New Years Resolution kind of girl, but definitely like to set goals… and preferably ones I know I can achieve.

One year, it was Eat Slower. Being a bit of an inhaler of food, that was a good one… and I’m much better at it now.

Another time, it was Do Something you Love, so I took up singing lessons.  (I clearly note the distinction here between What you Love and not What You’re Good At!) See, it’s not epic like Do Base Camp or go Diving with Whale Sharks… they’ll come later! They’re on the To Do List, but can hardly be considered Resolutions!

At the start of this year, I decided Move More was achievable.

I HATE exercise… and I’ve tried a lot… I don’t like to sweat and I’d probably only run if I was being chased…with an axe!

I’ve never had an endorphin rush in my life from working out and certainly have never felt that I’d improved my life by struggling through a personal training workout or gym session, and truly, I’ve tried!

A woman told me today she feels ‘holier than thou’ when she’s worked out in the morning, meaning she can go enjoy the rest of her day knowing she’s already done herself a whole lotta good. I guess I get that!

And I have persevered in trying to find something, anything that I don’t mind doing and may have just finally found what does the trick!

Well, I’ve been going for 8-9 months now, so that’s pretty epic for me.

A girlfriend asked if I’d try Deep Water Running with her and like you, I immediately said ‘what’s that?’

Basically, it consists of pretend running, cycling and cross-country skiing your way up and down an Olympic sized swimming pool with a few other exercises thrown in and trying to ensure your buoyancy belt doesn’t ride up under your boobs or armpits for much of the time to blaring music while being told what to do by your perky instructor for an hour.

The weightlessness is completely brilliant for anyone who has ever had an injury, dodgy hip or a bad knee.  Consequently, I’m one of the youngest in the class of gorgeous old chooks and a few brave men… and quite considerably too. Bless!

(I rarely admit to having had three compressed discs in my lower back these days as it totally ages me… and it also means that cobra pose in yoga is totally out of the question.) Usually now, you’ll find me on Saturday and Sunday mornings at the local pool in my cozzie and ready to jump in with anywhere between 15 and 35 regulars, weather dependent.

It’s a bit of a social outing for many and you’ll be pleased to know that oversized sunglasses and floppy hats are out in full force! As is hot pink or red lippy (occasionally running into the wrinkles,) tennis visors, serviceable caps and some who, bless them, thought it was an Easter bonnet parade.

Apparently even chewing? smacking? gum open mouthed for the hour is also completely acceptable.  As you see, anything goes!

Nearly all appears serene on the surface as we leisurely coast up and down, sticking diligently to the left of the lane. Underneath however, there’s a frenzy of frenetic activity as our legs and arms pump, shuffle, scoot and paddle us up and down.

My freckle to flesh ratio is on the increase and my motley Celtic completion may be said to almost be approaching light tan.  I think I’ve even freckled in new places never before terribly exposed to the Aussie sun!

Anyhoo, it’s been pretty fun and allowed me to consistently meet my Move More goal, which is a great thing.

On Sundays we also get the added bonus of the gents of the Beer Belly Brigade who pop by early in their short shorts with their buoyancy belts and pool noodles to watch the last of our gyrations before jumping in themselves.

Brilliant!

Also assisting with the Move More Mantra is that we’ve had to rent a flat while renovating our future classroom in the country and walking up and down four stories in heels every day also counts… even if I’m heavy breathing at my front door of an evening, or more so if I head up to my bedroom… five floors!

So, whoever said New Years Resolutions were a waste, just didn’t set the right ones.  Why not try again yourself sometime?  I’d love to hear how you go… oh and yes, I’m still singing (warbling) regularly too!

Now, where are those Latin Dance classes held?

2014! And we’re off and running!

Well I thought 2014 was going to be a big year, and it’s already started with a Bang!

A family catch up; the arrival of Baby Chad into my extended family; the funeral of a lovely young friend and client, who sadly lost her battle with leukemia aged 25; a new Brand yet to be launched for my business; feedback from clients indicating I seriously need to introduce an Induction program for new financial advisers joining my team; two overseas trips planned (Bali & Japan,) a third possible (Canada;) national trips already booked to Melbourne, Sydney, Adelaide and Newcastle, and a visit to a good friend arranged for to the Sunshine Coast next week… to start with anyway! It’s only Day 4… And I’m not even officially back at work yet… Phew!

Last year I made myself one New Year’s Resolution – something I needed to do, and was sure I could stick with.

EAT MORE SLOWLY!

I Really Love Food!  Especially good food with great company!  Unfortunately, with a busy life, I usually have something to do or somewhere to be and tend to inhale rather than enjoy my meals, so that was a top priority for me… and my health.  I wouldn’t say I’ve nailed it, but I’m certainly a lot more conscious of savoring and enjoying what’s before me.

Having said that for resolutions, I also managed to find and purchase two positively geared investment properties, take three overseas trips, improve my business and recruit new talent.  This year I’m still not entirely sure what to work on, but having had a dodgy back for a while (not helped by frequent flying) I think I’ll:

IMPROVE MY FITNESS

Baby steps for me.  Have started with a pre-exercise stretching routine to fix a nasty pelvic tilt and will go from there…

Would love to hear what you’ve decided to run with and are pretty determined to stick to?  Beyond the first two weeks of January that is!