How often do you get around to January 1st and feel like your situation hasn’t changed in the past 12 months, and sometimes they look a little bleaker than before?
Often at this time of year, we see the credit card has increased and that you are just staying on top of your living expenses.
Does this sound like you? Do you want to jump off this treadmill and set your new route and goal for 2015?
Here are a few tips to put an end to your groundhog day and make 2015 a year of growth.
1. Understand what you spend and take control
I know it sounds scary to work out your budget, but take some time and actually work it out. You may be surprised where some of your money is being spent. By taking this step and being realistic with your budget, you are making the move towards having your money and your finances control you.
2. Set some goals
Many of you may set New Year’s resolutions, however, sometimes these are not achievable or too hard and so you give up. Try setting three financial goals for the year so you can stick to them. Perhaps take part in the 2015 52 Week Money Challenge, set up a Christmas bank account, try and save a $20 a week. There are so many ideas, but you need to make them achievable.
3. Get some help
Whether it is speaking with a bank, doing some online research or speaking to a financial adviser, solicitor or accountant, by having a team around you, cannot only make you accountable but can also get you on track to achieve your goals.
4. If you fail try again the next day
Just because you weren’t able to save $20 this week or you were behind on your budget for the month, don’t just throw it to the scrap heap. Start again the next day and take little steps. Each step is one in the right direction.
2015 is going to be another action packed and exciting year for us all so before the end of the year, take some time to set your goals. Perhaps even sharing them in the NSM Facebook group may keep you more accountable.